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Home State Bank
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Barbara Kelly, Senior Mortgage Loan Officer

Senior Mortgage Loan Officer · NMLS 631482

Barbara Kelly

Barbara guides purchase, refinance, and new-construction clients through the process with the patience of someone who has done it a thousand times.

Apply with Barbara815-788-3330Email

Specialties

  • Purchase
  • Refinance
  • New construction

How it works with Barbara

  1. 1

    Start online with Barbara's application or call 815-788-3330. 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.

Barbara Kelly, Senior Mortgage Loan Officer, Home State Bank, N.A. NMLS 631482. Company NMLS 478452. Member FDIC. Equal Housing Lender.

Reach Barbara

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 Barbara's clients say.

4.91

270 verified reviews

Collected by Experience.com
  • “Deal went smoothly and barb kept me up to date on progress through the entire process”

    Riley J W · Spring Grove, IL · Sep 2026

  • “Barb made it great. She goes above and beyond”

    David M D · Wonder Lake, IL · Aug 2026

  • “Barb was always available to answer and questions. She knew what she was talking about and made a stressful process much easier.”

    Mary L D · Wonder Lake, IL · Aug 2026

  • “Barb was great in assisting me during my Barb was great in assisting me during my refinance.”

    Samantha T S · Crystal Lake, IL · Jul 2026

  • “Barb is First Class in everything she did with and for me and my Wife, during this recent property purchase. Overall communication, direction and professional guidance= EXCELLENT!!! Thank You! BK”

    Brian P K · McMinnville, TN · Jun 2026

  • “Barb has communicated very well. Questions that came up were promptly answered. She guided us through the loan process with ease. I would recommend her to anyone.”

    Craig E O · Twin Lakes, WI · Feb 2026

  • “Barb is a top profreshional. She is smart, patient, accountable, and hard working. She exudes character capacity and commitment You are fortunate to have her on your Team!”

    Matthew H G · Mondovi, WI · Feb 2026

  • “Barb's availability and support, explaining things as needed. Also reasonable pricing from the bank, not gouging.”

    Mark P · Fox River Grove, IL · Dec 2025

  • “Barb is very good and knowledgeable at her job”

    Michael S C · Spring Grove, IL · Oct 2025

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 Illinois

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Next step

Ready? Barbara 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