Legal
Disclosures & licensing.
Institution
Home State Bank, National Association, 40 Grant St., Crystal Lake, IL 60014. Company NMLS ID 478452. FDIC certificate 12815. A national bank chartered under the laws of the United States and supervised by the Office of the Comptroller of the Currency. Member FDIC. Equal Housing Lender. For licensing information, visit NMLS Consumer Access.
Equal Housing Lender
We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin.
Rates and calculators
Calculators on this site produce estimates based on the figures you enter and general assumptions about taxes, insurance, and mortgage insurance. They are provided for illustration only, do not constitute an offer of credit or a commitment to lend, and may not reflect the terms available to you. Portfolio pricing comparisons describe historical pricing for programs held on the bank’s balance sheet and are not a guarantee of future pricing.
Advertising
Information on this website should be considered an advertisement. All loans are subject to credit approval, underwriting, property appraisal, and program guidelines. Rates, terms, fees, and programs are subject to change without notice. Where a conflict exists between information on this site and your loan agreements and disclosures, the agreements and disclosures control.
Reviews and testimonials
Review counts and ratings are collected by Experience.com from verified Home State Bank clients and are current as of the date shown on the referenced page. Loan officer pages display a selection of recent reviews rated 4.5 stars or higher; overall ratings and counts include every review, and the complete set is available on each officer’s Experience.com profile. Individual experiences vary. Testimonials on this site are from actual clients and are reproduced with permission; some have been lightly edited for length.