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Home State Bank

Bank•Crystal Lake, ILHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Home State Bank — 432 loans across 497 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 8 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar

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Report Card

Home State Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+40.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume390
Mix90.3%
Spread
+0.355%Above
Fees
$1,771Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume38
Mix8.8%
Spread
+0.944%Above
Fees
$1,263Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume394
Mix91.2%
Spread
+0.426%Above
Fees
$1,728Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Strong
Volume38
Mix8.8%
Spread
+0.193%Above
Fees
$1,742Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
432
Applications
497
Volume
$116 million
Pricing & Closing
Avg Rate Spread
+0.403%
vs. market APOR
Avg Net Fees
$1,730
Origination − Credits
Pullthrough Rate
86.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$269,907
Avg Borrower Income
$122,683
Avg Property Value
$348,426

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
12
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

12
12 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest5
ILINMIMNWI
South6
ARFLLAOKTNTX
West1
AZ

Top Metro Areas by Place Specialization Score

1© MissvainOriginal author: User:SoloTwo · CC BY-SA 3.0
Appleton, WIMetro
Volume 74Mix 17.13% of portfolio
74/100
Strong
2© self · CC BY-SA 2.5
Oshkosh, WIMetro
Volume 56Mix 12.96% of portfolio
74/100
Strong
3© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 148Mix 34.26% of portfolio
71/100
Strong
4© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0
Lake County, ILMetro
Volume 15Mix 3.47% of portfolio
51/100
Sound
5© G LeTourneau · CC BY-SA 3.0
Elgin, ILMetro
Volume 17Mix 3.94% of portfolio
51/100
Sound
6© pasa47 · CC BY 2.0
Racine, WIMetro
Volume 15Mix 3.47% of portfolio
51/100
Sound
7© Michael Steeber from USA · CC BY-SA 2.0
Green Bay, WIMetro
Volume 13Mix 3.01% of portfolio
46/100
Sound
8© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 13Mix 3.01% of portfolio
45/100
Sound

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 216Mix 50.00% of portfolio
76/100
Strong
Illinois
Illinois
2
IllinoisState
Volume 189Mix 43.75% of portfolio
72/100
Strong
Florida
Florida
3
FloridaState
Volume 10Mix 2.31% of portfolio
34/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.