Applications / Mortgage Analytics / Lenders / Illinois / Home State Bank
Crystal Lake, IL · National bank · OCC · $768 million assets · 556 loans in 2025
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556
loans originated, 2025
635
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home State Bank is an Illinois national bank that lends mostly in Wisconsin and mostly for home purchases, 83.5% of its loans, with nearly half going to LMI (low- and moderate-income) borrowers.
Home purchases made up 83.5% of its loans and refinances 15.6%. FHA loans (insured by the Federal Housing Administration) were 9.2%, against 0.1% at similar lenders (national banks making between half and twice as many loans). Its typical loan was $245,000, against $205,000.
LMI borrowers took 47.9% of its loans, against 25.8% at peers, higher than almost all of them, and up from 20.7% five years before. LMI areas took 16.6%, near the middle of its peers. Its purchase lending and FHA loans are a possible reason.
Its main state is Wisconsin. In Appleton, WI it ranked 13 of 257 lenders, with 1.7% of the market, up from 1.3%; in Oshkosh-Neenah its share rose to 1.6% from 1.4%, and in Racine to 0.6% from 0.4%. Community First Credit Union led both Appleton and Oshkosh-Neenah. In Chicago, its largest market, it ranked 156 of 902.
Higher-priced loans (a rate well above the average for similar loans) were 0.7% of its loans, against 2.2% at peers, and its typical rate was 6.50%, against 6.73%. Its purchase denial rate, 3.5%, was lower than at most peers. Originations rose 4% to 556, close to peers' 5%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home State Bank took 635 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.5% · Refinance 15.6% · Other 0.5% · Home improvement 0.4%
Conventional 90.8% · FHA 9.2% · of 556 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 314 | 56.5% |
| Illinois | 219 | 39.4% |
| Florida | 7 | 1.3% |
| Tennessee | 4 | 0.7% |
| South Carolina | 3 | 0.5% |
| North Carolina | 2 | 0.4% |
| Alabama | 1 | 0.2% |
| Iowa | 1 | 0.2% |
| Indiana | 1 | 0.2% |
| Minnesota | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 169 |
| Appleton | 125 |
| Oshkosh-Neenah | 83 |
| Racine-Mount Pleasant | 29 |
| Lake County | 25 |
| Elgin | 18 |
| Milwaukee-Waukesha | 12 |
| Green Bay | 8 |
| Fond du Lac | 6 |
| Rockford | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AUFLERO59VGC71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 696430 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118763 | 1990–2017 |
Established 1 January 1915. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Home State Bank's data.
Home State Bank's data
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Home State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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