Dave Usiak

Senior Mortgage Loan Originator | NMLS# 638038

4.9

(862)

Mortgage

Mortgage Loan Officer

Contact Info

(309) 825-2709

Minneapolis, MN

Location & Business Hours

Business Hours

Tues

8 AM to 5 PM

Wed

8 AM to 5 PM

Thu

8 AM to 5 PM

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4.9

(862)

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5 Star

95%

4 Star

3 Star

2 Star

1 Star

It is such a pleasure working with Dave! I am a local realtor and finding trust in a lender for my clients is very important to me. Dave is always professional, very detailed and full of knowledge. It doesn't matter if my client is a seasoned...

Reply from Dave Usiak

August 31st, 2026 02:02 PM

Stacey, thank you so much for the stellar 5-star review and your faith in my work! It's always a pleasure assisting your clients, be it a seasoned buyer or a first-time homeowner. Your trust means a lot and I'm glad to have been of service...

Communication and eligibility process

Reply from Dave Usiak

August 31st, 2026 02:02 PM

Thank you so much for the positive feedback, Cedric! I'm thrilled to hear that you had a great experience with our communication and eligibility process at First State Mortgage. It's my priority to ensure that the FHA loan process is smooth...

Dave and his assistant Lia were great about communicating with me to keep me up to date on the loan process. I have used them on past purchases and will use them again for any new property purchases.

Reply from Dave Usiak

August 31st, 2026 02:02 PM

I'm thrilled to hear that you had a great experience with me, Tara. Communication is a top priority at First State Mortgage, and I'm glad that both Lia and I could keep you updated throughout the loan process. It's an honor to be your go-to...

David represented a buyer on a transaction for which I represented the Seller. The transaction went seamlessly as far as I knew. In most transactions, I would have no need to receive communications directly from the buyer's lender and most...

Reply from Dave Usiak

August 31st, 2026 02:02 PM

I'm truly grateful for your kind words, Dori. It's important for me to ensure all parties involved in a transaction are kept informed and comfortable. I'm glad you appreciated my direct communication. It was a pleasure to work with you and...

Dave kept me informed every step of the way during the entire process. He was a pleasure to work with!

Reply from Dave Usiak

August 31st, 2026 02:02 PM

Thank you so much for the glowing review, Patricia. I'm thrilled to hear that you felt well-informed and supported throughout our time working together. It was an absolute pleasure assisting with your conventional loan process. Here at First...

Dave was amazing! Very communicative about everything that was happening and why it was happening that way. Really explained things to us, definitely recommend Dave!!

Reply from Dave Usiak

August 31st, 2026 02:02 PM

I'm thrilled to hear you had such a positive experience, Gabriella! I always strive to keep my clients informed and comfortable throughout the mortgage process, and I'm glad I was able to do that for your FHA loan. Your recommendation means...

The entire experience was easy and painless! All questions were answered immediately. I never felt uncertain of the timeline and all documents were a breeze to submit. I appreciate the systems in place and the knowledge from the team. Would...

Reply from Owner

January 9th, 2026 09:31 AM

Thank you!!

Dave was constantly checking on us during the home buying processing, giving us his expertise and support through every interaction making this process so much better with little stress involved

Reply from Dave Usiak

August 31st, 2026 02:02 PM

I'm thrilled to hear that you had a positive experience with your loan process, Jacob. Your feedback is greatly appreciated. I was happy to provide the support you needed during the home buying process. Knowing that it helped lessen your stress...

Being a first time home buyer, it was great having someone who was so knowledgeable and who could slowly walk through everything I needed to know! Also, Dave was glad to repeat the information as many times as needed until I understood what...

Reply from Dave Usiak

August 31st, 2026 02:02 PM

I'm truly delighted to hear about your positive experience, Cathy. As a first-time home buyer, it's crucial to fully grasp each detail, and I'm glad I could assist in making the process easier for you. I appreciate your feedback and your 4.83...

I worked with Grant and Ben to get my mortgage. They made the process simple and both were very helpful. They communicated clearly through my closing day. Would definitely recommend 1st State Mortgage and working with Grant and Ben for a loan!...

Reply from Owner

January 9th, 2026 09:31 AM

Thank you!!

161–170 of 862

About

Over the past 40 years, David Usiak has been successful in fulfilling the dream of homeownership for thousands of clients all over the country. Since 2007 he has been a Senior Loan Officer at First State Mortgage. He has lived in Bloomington/Normal the majority of his life, graduating from Normal Community High School. He currently serves on their Alumni Foundation Board. David was graduated by Southern Methodist University in Dallas, Texas. It is a testament to the trust he has earned that most of his clients are referrals from professional partners, past clients, as well as current clients. Whether you are a first-time buyer, move-up buyer, veteran, or live in a rural community – you can benefit from David’s experience!

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Specialities

Conventional, FHA/VA, USDA Rural Housing, Bridge Loans, Home Equity Lines of Credit

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Positions

First State Mortgage - Senior Loan Officer NMLS 638038
May 1st, 2001 - Aug 24th, 2026
Luminate Bank - Senior Mortgage Loan Originator
Aug 25th, 2026 - Current

Memberships

Director - Chicago District Golf Association
Mid-Central Association of Realtors
MIRA RPAC Committee

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Addresses and Serving Areas

Primary Serving Area

Bloomington, IL 61704

Other Serving Areas

Bloomington, IL 61705

Bloomington, IL 61701

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Year Started

1982

Time Zone

Central Standard Time (CST)

Licenses

NMLS# 638038

Awards

Top 100 LO Custome...

MIRA Affiliate of ...

Hobbies

Enjoy a round of Golf with friends; Reading - mainly Non-Fiction; Working out at the Gym
Enjoy a round with friends, old and new and of course going to the gym; reading as time allows