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Home State Bank
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Bradley Harding, Mortgage Consultant

Mortgage Consultant · NMLS 435788

Bradley Harding

Brad joined Home State Bank in 2011 after more than two decades in lending. He has closed over 1,700 loans and ranks in the top 3% of originators nationally.

Apply with Bradley847-287-8601Email

Specialties

  • Purchase
  • Refinance
  • Jumbo
  • Investment

How it works with Bradley

  1. 1

    Start online with Bradley's application or call 847-287-8601. 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.

Bradley Harding, Mortgage Consultant, Home State Bank, N.A. NMLS 435788. Company NMLS 478452. Member FDIC. Equal Housing Lender.

Reach Bradley

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 Bradley's clients say.

4.89

282 verified reviews

Collected by Experience.com
  • “As a first time homebuyer, Brad made me feel very comfortable and informed throughout the entire process. Was a great experience overall!”

    Clayton R M · Woodstock, IL · Sep 2026

  • “Brad was super helpful in helping me understand and helping me get setup with a mortgage can afford and have plans for future financing also”

    Michael P · Beloit, WI · Sep 2026

  • “Communication was very good including the loan processor Janelle. It was difficult dealing with one of my creditors that was the only glitch and it wasn't the bank's fault”

    John R C · Lake Villa, IL · Sep 2026

  • “Brad was absolutely wonderful to work with throughout the entire home-buying process. His communication was excellent, and he truly went above and beyond to answer all of my questions and make everything as smooth and stress-free as possible. As a first-time condo buyer, I really appreciated how he took the time to explain every step and made sure I understood everything. He treated me with genuine kindness, patience, and respect from start to finish. I couldn’t have asked for a better loan officer, and I highly recommend Brad to anyone looking for someone who truly cares about their clients!”

    Mia S · Lake In The Hills, IL · Jul 2026

  • “Jenelle and Brad are a super great team. Very knowledgeable, efficient and fun to work with! A++”

    Stephanie B · Bull Valley, IL · Jun 2026

  • “Great communication and follow-up on details”

    Scot B · Bull Valley, IL · Jun 2026

  • “Brad was thorough and explained everything and the "why" to everything. Everything was completed in a timely manner. Thank you.”

    Austen R · Two Rivers, WI · Jun 2026

  • “Brad was very thorough and easy to work with!”

    Billie N R · Two Rivers, WI · Jun 2026

  • “Service and expertise”

    Nicholas R P · Hampshire, IL · Jun 2026

  • “Everyone was very responsive Brad and Janelle and everybody involved. They looked out for my best interest and kept me updated.”

    John R C · Antioch, IL · Sep 2024

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? Bradley 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