# Home State Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/home-state-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Home State Bank, National Association is a bank, headquartered in Crystal Lake, IL, serving borrowers across 12 states, with 432 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300AUFLERO59VGC71
- **Headquarters:** Crystal Lake, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AR, AZ, FL, IL, IN, LA, MI, MN, OK, TN, TX, WI
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.403%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,730
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 432
- **Dollar Volume:** $117 million
- **Applications Received:** 497
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $269,907
- **Average Borrower Income:** $122,683
- **Average Property Value:** $348,426

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 390 | +0.355% | $1,771 | Strong 😀 |
| FHA | 56/100 | 38 | +0.944% | $1,263 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 354 loans, Score: 64/100 (Strong)
- Refinance: 36 loans, Score: 41/100 (Sound)

**FHA:**
- Purchase: 36 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 394 | $108M | +0.426% | Strong 😀 |
| Refinance | 39/100 | 38 | $9M | +0.193% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 216 | 0.33% | 76/100 |
| IL | 189 | 0.15% | 72/100 |
| FL | 10 | 0.00% | 34/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Chicago | IL | 148 | 71/100 |
| Appleton, WI | WI | 74 | 74/100 |
| Oshkosh | WI | 56 | 74/100 |
| Non |  | 33 | 37/100 |
| Elgin, IL | IL | 17 | 51/100 |
| Lake County, IL | IL | 15 | 51/100 |
| Racine | WI | 15 | 51/100 |
| Green Bay, WI | WI | 13 | 46/100 |
| Milwaukee | WI | 13 | 45/100 |

## Where This Lender Ranks

Home State Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Appleton, WI for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Oshkosh for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Oshkosh Banks
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/banks)
- 🏆 **#7** in Oshkosh for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Appleton, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Racine for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Appleton, WI Banks
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks)
- 🏆 **#11** in Appleton, WI for FHA Loans
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Oshkosh for FHA Loans
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/fha-loans)
- 🏆 **#12** in Green Bay, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Wisconsin for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#17** in Oshkosh for Conventional Loans
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Chicago for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Chicago for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/chicago/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#19** in Appleton, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Home State Bank, National Association offer?

Home State Bank, National Association offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Home State Bank, National Association offer mortgages?

Home State Bank, National Association offers mortgages in 12 states: AR, AZ, FL, IL, IN, LA, MI, MN, OK, TN, TX, WI.

### How competitive are Home State Bank, National Association's mortgage rates?

Home State Bank, National Association has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.403% above market average.

### What type of lender is Home State Bank, National Association?

Home State Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Crystal Lake, IL.

### What is Home State Bank, National Association's loan approval success rate?

Home State Bank, National Association has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/home-state-bank-national-association

### How to Cite

> "Home State Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/home-state-bank-national-association

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