Home Loan Financial Corporation is a holding company. The Company operates through its subsidiary, the Home Loan Savings Bank (the Bank). The Bank conducts business from its main office in Coshocton, Ohio and full-service branch offices in Coshocton, Mount Vernon and West Lafayette, Ohio. The principal business of the Bank is the origination of permanent mortgage loans secured by first mortgages on one- to-four-family residential real estate located in Coshocton County, Ohio, the Bank's primary market area. The Bank also originates a limited number of loans for the construction of one- to four-family residences and permanent mortgage loans secured by multifamily and nonresidential real estate in its primary market area. In addition to real estate lending, the Bank originates commercial loans and various types of consumer credits, including home improvement loans, education loans, loans secured by savings accounts, motor vehicle loans, unsecured loans and credit cards.