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Lending

Mortgage Lending

The home lending department at First State Bank consists of 8 Mortgage Loan Originators (MLOs) with the experience and expertise to provide the best home loan product for our customers. We offer competitive rates, low closing costs, and work with you every step of the way, from loan application to closing.

Check out our home loan products we have to offer!

  • Home Purchase: Purchasing a home can be exciting and nerve-wracking. We are here to help make the home buying process as seamless as possible. Home purchase loans are closed at First State Bank and may be serviced in-house or through the secondary market to offer our best interest rate possible. Ask one of our MLOs about a first-time homebuyer grant!
  • Home Refinance: Refinancing your home can save you money by locking in a lower interest rate, lower your monthly payments, or help pay off your home quicker. Additional funds may also be obtained through a cash-out refinance. We offer servicing for refinance loans in-house or through the secondary market.
  • Home Equity Loan or Home Equity Line of Credit (HELOC): These loans allow you to use the equity in your home for many purposes you may need, such as paying for repairs, purchasing a vehicle, paying off other debts. A home equity loan is set up on fixed monthly payments, with funds available right away. A home equity line of credit (HELOC) allows you to advance funds as needed for a period of 10 years.
  • Construction/Remodel Financing: Need financing to build your new custom home, or complete a large remodel project? Our construction loans are set up as a line of credit to ensure your home construction or remodel is completed and as stress-free as possible.

Agricultural Lending

  • Annual Operating loans & Lines of credit
  • Real Estate loans
  • Machinery & Equipment
  • Inventory
  • Vehicle
  • Livestock
  • Building & Improvement
  • Letters of Credit
  • Beginning Farmer loans
  • Farm Mac
  • Farm Service Agency (FSA) loans

Inquire with one of our experienced Ag Lenders for details. Together we have over 175 years of experience!

Consumer Lending

  • Vehicle
  • Personal
  • RV/Camper
  • ATV/UTV
  • Boat
  • Vacation

Contact us today for your consumer lending needs!