Home State Bank, National Association mortgage approval rate & lending review
Home State Bank, National Association decided 1,432 mortgage applications and funded 1,295 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Home State Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Home State Bank, National Association at a glance
Approval is 8.8 points above the 85.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,101 / 1,159 | 96% | $245K | 1,059 |
| Cash-out refinance | 93% | 51 / 55 | 90% | $225K | 46 |
| Refinance | 91% | 61 / 67 | 89% | $215K | 54 |
| Investment property purchase | 96% | 87 / 91 | 94% | $205K | 82 |
| Investment refinance | 92% | 46 / 50 | 98% | $145K | 45 |
Home State Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 95% | $245K | 811 | 733 |
| Wisconsin | 95% | $225K | 549 | 502 |
| Florida | 88% | $415K | 40 | 31 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Home State Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| McHenry County, IL | Mortgage lenders | 96% | 286 | 261 |
| Outagamie County, WI | Mortgage lenders | 96% | 193 | 180 |
| Winnebago County, WI | Mortgage lenders | 94% | 162 | 147 |
| Lake County, IL | Mortgage lenders | 91% | 87 | 76 |
| Racine County, WI | Mortgage lenders | 100% | 49 | 48 |
| McHenry County, IL | Cash-out refinance | 100% | 28 | 27 |
| McHenry County, IL | Refinance | 94% | 33 | 26 |
| McHenry County, IL | Investment property purchase | 96% | 28 | 25 |
| Brown County, WI | Mortgage lenders | 88% | 26 | 22 |
The county markets where Home State Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Home State Bank, National Association
What is Home State Bank, National Association's mortgage approval rate?
Home State Bank, National Association approved 94.6% of the 1,432 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.8 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Home State Bank, National Association offers?
Borrowers accepted 96% of the loans Home State Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Home State Bank, National Association make?
The typical home purchase mortgage loan Home State Bank, National Association made was $245K; across all loan types its typical loan ran from $145K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Home State Bank, National Association lend?
Home State Bank, National Association decided applications in 16 of the states Fat Boy Data covers, most of them in Illinois, Wisconsin and Florida.
Can I apply to Home State Bank, National Association directly?
Yes. Home State Bank, National Association is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Home State Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Home State Bank, National Association treats applications, then get a rate quote from the lender.