Home State Bank
Home State Bank received 88 applications in 2025 and made 78 mortgages, in 16 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 83 decisions, 5 were denials — 6.0%.
| Legal Entity Identifier | 549300XXX5RVRVYNKY79 |
|---|---|
| Applications received | 88 |
| Mortgages made | 78 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Home State Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 52 | Not published | $240,000 | 5.5% |
| Refinancing | 21 | Not published | $195,000 | 4.6% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where Home State Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greene County, IA | 25 | Not published | 3.9% |
| Polk County, IA | 20 | Not published | 4.8% |
| Story County, IA | 7 | Under 10 loans | 0.0% |
| Lake County, IL | 5 | Under 10 loans | 0.0% |
| Boone County, IA | 5 | Under 10 loans | 16.7% |
| Dallas County, IA | 5 | Under 10 loans | 0.0% |
| Guthrie County, IA | 2 | Under 10 loans | 0.0% |
| Black Hawk County, IA | 1 | Under 10 loans | 0.0% |
| Calhoun County, IA | 1 | Under 10 loans | 50.0% |
| Carroll County, IA | 1 | Under 10 loans | 0.0% |
| Chickasaw County, IA | 1 | Under 10 loans | 0.0% |
| Clinton County, IA | 1 | Under 10 loans | 0.0% |
| Dickinson County, IA | 1 | Under 10 loans | 0.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Webster County, IA | 1 | Under 10 loans | 50.0% |
| Kenosha County, WI | 1 | Under 10 loans | 0.0% |
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When Home State Bank’s figures are published for the next year, or restated.
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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.