Welcome to Home State Bank
Hometown professionals working together to build a stronger community

old bank picture from 1930s

Home State Bank opened its doors to McHenry County in 1915, and for over 100 years we have been serving the McHenry County area.  From the beginning, it has been our goal to create a better quality of life for our neighbors, and to work together to build a better community.  Experience and reputation, coupled with an "eye-popping" rate, is our value proposition.

Our relationship to the community has remained as strong as it was from our beginning, and it continues to grow today. In the words of Home State Bank's President & CEO, Steve Slack, "We are not just out looking for loans and deposits, we are looking for long-term relationships."

Our leadership team works closely with our experienced mortgage professionals so that your process will remain streamlined and convenient. 

Technology has changed the way we are able to fulfill the needs of today's consumers, whether you are an experienced borrower or a first time homebuyer looking for trusted guidance.  However, the people who are "pressing the buttons" to process the loans must operate with accountability and integrity. 



"With Home State, I feel like I benefitted from the best of both worlds:  hometown professionalism AND a great online rate. The process was convenient, and I loved the personalized attention Nancy gave me throughout."

- Matt G.



Home Buyers in front of house

"This was my third mortgage I've used Home State for, but first using their new online only portal.  They surprised me by beating the rates offered by even the strongest of online competitors."

 - Joe P.

"We worked with Home State on multiple loans, and each time things went smooth, from purchase to the closing.  I know they'll work hard on my behalf with great attention to detail.  They always kept us informed throughout our purchasing process and are enjoyable to work with."

- Tim  and Julie B.


Apply now for a better mortgage experience through Encompass