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Home State Bank, National Association
Bank|Crystal Lake, IL|Multi-Region
Loans Originated
432
Applications
497
Volume
$116 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.403%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,730
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
86.9%
Percentage of applications that result in closed loans
Report Card
Home State Bank, National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 9 metro areas · 12 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$269,907
Average Borrower Income
$122,683
Average Property Value
$348,426
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 390 | 90.3% | +0.355% | $1,771 |
FHA Loans | Sound | Sound | Sound | Strong | 38 | 8.8% | +0.944% | $1,263 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 394 | 91.2% | +0.426% | $1,728 |
Refinance | Sound | Acceptable | Strong | Strong | 38 | 8.8% | +0.193% | $1,742 |
Geographic Coverage
Metro Areas
8
States Served
12
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Appleton, WI, WIMSA
Volume: 74Mix: 17.13%
Place Specialization
Strong
2
Oshkosh, WIMSA
Volume: 56Mix: 12.96%
Place Specialization
Strong
3
Chicago, ILMSA
Volume: 148Mix: 34.26%
Place Specialization
Strong
4
Lake County, IL, ILMSA
Volume: 15Mix: 3.47%
Place Specialization
Sound
5
Elgin, IL, ILMSA
Volume: 17Mix: 3.94%
Place Specialization
Sound
6
Racine, WIMSA
Volume: 15Mix: 3.47%
Place Specialization
Sound
7
Green Bay, WI, WIMSA
Volume: 13Mix: 3.01%
Place Specialization
Sound
8
Milwaukee, WIMSA
Volume: 13Mix: 3.01%
Place Specialization
Sound
Top States by Place Specialization Score
1
WIState
Volume: 216Mix: 50.00%
Place Specialization
Strong
2
ILState
Volume: 189Mix: 43.75%
Place Specialization
Strong
3
FLState
Volume: 10Mix: 2.31%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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