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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
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar

Explore another lender or local market

Report Card

Home State Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+40.3 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
390 loans · 0.35% above market
Strong
Top 40% of lenders
4/5
FHA
38 loans · 0.94% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
394 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
Refinance
38 loans · 0.19% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders
3/5

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

12Full-year 2024 · HMDA
12 states with loan originations
Loans originated
< 1010–200200+None
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; derivative by Georgfotoart · 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© Chris Rand · CC BY-SA 4.0
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 the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

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.