Lender profile · HMDA 2023–2025
Home State Bank, National Association mortgage approval rates & lending data
Home State Bank, National Association decided 1,432 mortgage applications and funded 1,295 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,101 / 1,159 | 96% | $245K | 1,059 |
| Cash-out refinance | 93% | 51 / 55 | 90% | $225K | 46 |
| Refinance | 91% | 61 / 67 | 89% | $215K | 54 |
| Investment property purchase | 96% | 87 / 91 | 94% | $205K | 82 |
| Investment refinance | 92% | 46 / 50 | 98% | $145K | 45 |
Home State Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 95% | $245K | 811 | 733 |
| Wisconsin | 95% | $225K | 549 | 502 |
| Florida | 88% | $415K | 40 | 31 |
| Indiana | 86% | $215K | 7 | 6 |
| South Carolina | 100% | $195K | 5 | 4 |
| Arkansas | 100% | $705K | 4 | 4 |
| Tennessee | 75% | $275K | 4 | 3 |
| Arizona | 100% | $305K | 2 | 2 |
| Nevada | 100% | $365K | 2 | 2 |
| North Carolina | 100% | $355K | 2 | 2 |
| California | 100% | $335K | 1 | 1 |
| Iowa | 100% | $175K | 1 | 1 |
| Louisiana | 100% | $135K | 1 | 1 |
| Minnesota | 100% | $195K | 1 | 1 |
| Oklahoma | 100% | $265K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.