Home State Bank, National Association
Home State Bank, National Association received 635 applications in 2025 and made 556 mortgages, in 59 counties across 13 states. The median rate its borrowers got was 6.500% on a median loan of $245,000. Of 613 decisions, 32 were denials — 5.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300AUFLERO59VGC71 |
|---|---|
| Applications received | 635 |
| Mortgages made | 556 |
| Denied | 32 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 22 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.268 points |
| FDIC-insured bank | Yes: Home State Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 464 | 6.490% | $235,000 | 4.0% |
| Refinancing | 74 | 6.500% | $290,000 | 9.2% |
| Cash-out refinancing | 13 | 6.750% | $255,000 | 16.7% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 14.3% |
Where Home State Bank, National Association lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McHenry County, IL | 123 | 6.500% | 1.5% |
| Outagamie County, WI | 106 | 6.490% | 5.3% |
| Winnebago County, WI | 83 | 6.375% | 7.4% |
| Cook County, IL | 33 | 6.875% | 10.5% |
| Racine County, WI | 29 | 6.433% | 0.0% |
| Lake County, IL | 25 | 6.500% | 10.3% |
| Calumet County, WI | 19 | 6.563% | 0.0% |
| Kane County, IL | 14 | 6.750% | 12.5% |
| Waupaca County, WI | 12 | 6.500% | 0.0% |
| DuPage County, IL | 11 | 6.624% | 7.7% |
| Walworth County, WI | 9 | Under 10 loans | 10.0% |
| Brown County, WI | 8 | Under 10 loans | 20.0% |
| Waushara County, WI | 8 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 6 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 6 | Under 10 loans | 0.0% |
| Waukesha County, WI | 5 | Under 10 loans | 0.0% |
| Kenosha County, WI | 4 | Under 10 loans | 0.0% |
| Boone County, IL | 3 | Under 10 loans | 0.0% |
| Kendall County, IL | 3 | Under 10 loans | 0.0% |
| Manitowoc County, WI | 3 | Under 10 loans | 0.0% |
| Oneida County, WI | 3 | Under 10 loans | 0.0% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Winnebago County, IL | 2 | Under 10 loans | 0.0% |
| Cumberland County, TN | 2 | Under 10 loans | 0.0% |
| Dodge County, WI | 2 | Under 10 loans | 33.3% |
| Green Lake County, WI | 2 | Under 10 loans | 0.0% |
| Rock County, WI | 2 | Under 10 loans | 33.3% |
| Sheboygan County, WI | 2 | Under 10 loans | 0.0% |
| Cullman County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Hernando County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 33.3% |
| DeKalb County, IL | 1 | Under 10 loans | 0.0% |
| Jo Daviess County, IL | 1 | Under 10 loans | 0.0% |
| Warren County, IL | 1 | Under 10 loans | 0.0% |
| Porter County, IN | 1 | Under 10 loans | 0.0% |
| Johnson County, IA | 1 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Union County, NC | 1 | Under 10 loans | 0.0% |
| Josephine County, OR | 1 | Under 10 loans | 0.0% |
| Dorchester County, SC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.