Home State Bank, Crystal Lake, IL
Crystal Lake, IL
You have arrived at our front door to convenience, opportunity and trust. We greet you with the right products and useful tools capable of fulfilling your unique needs.
Choosing a trusted mortgage lender can help you save money today, and... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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Kyle made everything very clear and easy. Kyle had answers to any question I had and if for some reason he had to check on something, he quickly found out. I do highly recommend Kyle and already have done that to another friend.
Reply from Kyle Geisser
February 28th, 2026 06:39 PM
Melissa, I appreciate your kind words and the recommendation to your friend. It's great to know that I could provide clarity and prompt answers during your process. If there's anything else you need, I'm here and ready to help.
Stewart was available to answer questions whenever we had them and made the process less "nerve racking" for us. He has a great personality and is definitely great at what he does! We would refer anyone looking to get a home loan to him!
Reply from Stewart Hoyer
February 2nd, 2026 03:12 PM
Thank you so much for the wonderful review! You all helped make the process move along smoothly. Thank you for entrusting me to help.
Elizabeth was there for me through the entire process from start to finish to help explain everything and answer any questions I had. Very good service, punctual, and knowledgeable with everything.
Reply from Elizabeth Zak - Home State Bank
February 2nd, 2026 03:03 PM
Thank you for the kind review, Chenine! It was wonderful working with you as well :)
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Crystal Lake- 40 Grant St
Elizabeth Zak is amazing, if you are looking for lending she can help get you into the home you want.
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Crystal Lake- 40 Grant St
We had a GREAT experience with Stewart Hoyer in Appleton! He is extremely knowledgeable on what he does and was available through all steps of the loan process. He has a great personality and this made us comfortable asking him questions. We...
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Her attention to detail and great communication.
Reply from Raquel Koester
January 29th, 2026 07:56 PM
JoAnne, I appreciate your kind words about my attention to detail and communication. It's important to me to provide a seamless experience, and I'm glad that came through for you. Thank you for choosing to work with me at Home State Bank.
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It's always a pleasure working with Al.
Reply from Al Lapotko
January 29th, 2026 04:42 PM
Chris thank you, its always pleasure working with you as well!!
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Al helped us through every step of the way and way more than happy to answer all of our questions. I couldn't be more pleased with his service!
Reply from Al Lapotko
January 27th, 2026 04:29 PM
Thanks for kind words, it was a pleasure working with you guys and im sure we will be talking again soon with these rates coming down. I pit a call into the FED and said let's get a move on!!
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Crystal Lake- 40 Grant St
Al helped us through every step of the way and way more than happy to answer all of our questions. I couldn't be more pleased with his service!
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Nancy had nothing to do with the experience, she was fine.
However the format and process of getting a loan is out of control with the redunencie of paperwork being asked for.
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About
You have arrived at our front door to convenience, opportunity and trust. We greet you with the right products and useful tools capable of fulfilling your unique needs.
Choosing a trusted mortgage lender can help you save money today, and in the future. Whether you are looking to build a new home, buy an existing home, or refinance your current mortgage, we are committed to helping you find the right products in order to fulfill your unique mortgage needs. Most importantly, you'll find that our good-natured, hometown mortgage professionals make the difference. We look forward to serving your home financing needs with expertise and professionalism, a cornerstone to our growth and referral success since 1915.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Our Region
Time Zone
Pacific Standard Time (PST)
Disclaimer
HOME STATE BANK NMLS #478452. HOME STATE BANK is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Rates, terms, programs and their conditions are subject to change without notice and certain programs/services may not be available in all states.