Appleton, Wisconsin · Fox Valley
A hometown lender for the Fox Valley, with a balance sheet behind it.
Our Wisconsin loan officers work from 650 N. Westhill Boulevard in Appleton, and the door is open the same hours as Crystal Lake. They bring Home State Bank's portfolio lending, WHEDA programs, and in-house underwriting to Appleton, Neenah, Oshkosh, Green Bay, and lake country beyond.
Your Fox Valley loan officers
Local faces, same in-house team.
Each of them has a desk in Appleton, a direct line, and a first-name relationship with the underwriters in Crystal Lake. In no particular order.
Why a portfolio bank matters here
When the guideline says no, a banker in your time zone can still say yes.
Most Wisconsin mortgages get sold within weeks and have to fit a national box. Home State Bank keeps portfolio loans on its own balance sheet, so a Fox Valley file with a new business, a lake lot, or a non-warrantable condo gets read by a person.
- WHEDA first mortgages and down-payment assistance
- Portfolio pricing typically at least 0.50% below the going 30-year fixed for programs we hold
- Construction-to-permanent with one closing and locally inspected draws
- Lake homes, second homes, and 1–4 unit investment properties
- Same-day pre-approvals, closings in as few as nine days
Run the numbers
What will the payment be in Wisconsin?
Defaults to a Fox Valley property-tax rate rather than a national average.
Taxes & insurance assumptions
Estimated monthly payment
$2,256
- Principal & interest
- $1,643
- Property tax
- $488
- Home insurance
- $125
Loan amount
$260,000
Total interest (30 yrs)
$331,616
Estimate only. Actual payment depends on your credit, property, taxes, insurance, and loan program. Not a commitment to lend.
Questions
Wisconsin specifics.
- Is Home State Bank licensed to lend in Wisconsin?
- Yes. Home State Bank, N.A. is a national bank (NMLS 478452) and lends in all 50 states. Our Wisconsin loan officers work from the Appleton office and are listed with their individual NMLS IDs.
- Where does my loan get underwritten and closed?
- By our own team in Crystal Lake, Illinois, the same underwriters your Appleton loan officer talks to every day. Closings are scheduled locally with a Wisconsin title company or attorney.
- Do you offer WHEDA loans?
- Yes. We participate in the Wisconsin Housing and Economic Development Authority programs, including down-payment assistance, alongside conventional, FHA, VA, USDA, jumbo, construction, and our own portfolio products.
- Which towns do you serve?
- The whole Fox Valley from Appleton, Neenah, and Menasha to Oshkosh and Green Bay, plus southeast Wisconsin around Racine, Kenosha, and Waterford. Loans on lake homes across the state are common.
Where we lend in Wisconsin
The Fox Valley, and the lakes past it.
- Appleton
- Neenah
- Menasha
- Kaukauna
- Kimberly
- Little Chute
- Grand Chute
- Greenville
- Oshkosh
- Green Bay
- De Pere
- Fond du Lac
- Racine
- Kenosha
- Waterford
- Milwaukee
Buying in Illinois instead? Start on the Illinois side.
Next step
Ready to talk to a lender in Appleton?
Start the application online, or call the Appleton office at 920-832-1400. A real human in the Fox Valley takes it from there.