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Home State Bank
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Al Lapotko IV, Mortgage Professional

Mortgage Professional · NMLS 501470

Al Lapotko IV

Licensed nationwide with 23 years of experience, Al serves Waterford and greater Milwaukee.

Apply with Al414-333-2195Email

Specialties

  • Purchase
  • Refinance
  • Investment
  • Nationwide

How it works with Al

  1. 1

    Start online with Al's application or call 414-333-2195. Fifteen minutes, no credit impact.

  2. 2

    Get a pre-approval, usually the same day, that sellers and Realtors around here recognize.

  3. 3

    Processing, underwriting, and closing all happen in our own building. Your loan officer walks the file, not a queue.

Al Lapotko IV, Mortgage Professional, Home State Bank, N.A. NMLS 501470. Company NMLS 478452. Member FDIC. Equal Housing Lender.

Reach Al

Ask a question, or ask for a call back.

Your information is never sold. Submitting this form does not pull your credit and is not a loan application. Message and data rates may apply if you opt into texts.

Client reviews

What Al's clients say.

4.95

221 verified reviews

Collected by Experience.com
  • “Well informed and made it easy to apply and complete”

    Jonathan E W · Waterford, WI · Aug 2026

  • “Excellent service and communication as always.”

    Brenda L B · Caledonia, WI · Jul 2026

  • “Fantastic communication made it easier to navigate the loan process..Would recommend for sure 5/5⭐”

    James K · Caledonia, WI · Jul 2026

  • “Excellent to work with, and very responsive to any and all questions that I or we had. Complete understanding of what we wanted navigating through uncharted waters at times. If you didn't know the answer you would find out & get back to me/us as soon as you discovered the answer. I also feel you went above and beyond what we needed and helped coornidate so many different things. Thanks so much”

    Danielle L B · North Mankato, MN · Jul 2026

  • “Very patient and thorough”

    Angela K C · Cudahy, WI · Jun 2026

  • “Al is extremely responsive, knowledgable and an absolute pleasure to work with .”

    Michael E S · Pleasant Prairie, WI · Jun 2026

  • “Was a great help through the process. He answered all my questions quickly and gave me updates daily. I highly recommen!”

    Tristan R P · Kenosha, WI · Apr 2026

  • “Al was very helpful, quick to respond, even if it was a weekend, and made sure that we were aware of everything that was happening. From start to finish it was a smooth process.”

    Lisa G · Caledonia, WI · Apr 2026

  • “Al is amazing and will be using for all my home buying experiences.”

    Anthony C H · Franksville, WI · Mar 2026

Reviews are submitted by verified Home State Bank clients through Experience.com after closing and are shown as written. This page shows a selection of recent reviews rated 4.5 stars or higher. The overall rating and review count reflect every review on file, and the full set, including lower ratings, is on the Experience.com profile linked above.

Also serving Wisconsin

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Next step

Ready? Al is one call away.

Start the application online, or call and ask for the mortgage department. Either way, a real human in Crystal Lake or Appleton takes it from there.

Apply now815-459-2000Choose a loan officer