Loans

State Bank has the loans you need for the things you want.  Enjoy competitive rates, flexible terms and a convenient application process.  Experience top-rated customer service when you partner with a member of our lending team.  Most of our loan decisions are made locally. 

Home Loans 

  • Fixed and adjustable rate options
  • Terms up to 30 years
  • Quick approvals
  • Personal service
  • Second mortgages available
  • Local decision making

Ready to get started?

Please complete, print and return this application to one of our five locations or by Secure Email.  

Loan Applications:

Married Applicants:

Loan Application Additional Borrower Application Continuation Sheet

Single Applicants:

Loan Application Unmarried Addendum Continuation Sheet

Disclosures

Please review the disclosure packets for important information regarding your loan.

You may voluntarily submit the information listed in the attached checklist with your application. 
Application Checklist

Construction Loans 

  • Build your dream home!
  • Competitive rates
  • Flexible terms
  • Various financing options 

Lot & Land Loans 

  • Avid hunter or looking for an investment opportunity?  We can assist you to purchase the perfect piece of property.
  • Competitive rates
  • Flexible terms
  • Various financing options 

Home Equity Loans 

  • Use funds for any purchase
  • Great for home improvements, debt consolidation and more
  • Competitive rates
  • Flexible terms 

Home Equity Lines of Credit (HELOC) 

  • Use funds when you need them and for any purchase
  • Great for home improvements, debt consolidation and more
  • Payments based on what you spend
  • Pay down and reuse funds as you like
  • Competitive rates
  • Flexible terms 

Personal Loans 

  • Competitive rates
  • Terms up to 60 months
  • Personalized service 

Auto Loans 

  • Get the vehicle you need (or the one you want)!
  • Competitive rates
  • We can assist with titling and licensing for your convenience
  • Terms up to 84 months 

Recreational Vehicle Loans 

  • Let us assist you with financing nearly any type of recreational vehicle, including motorcycles, ATVs, Boats, Campers and RVs.
  • Competitive rates
  • Terms up to 180 months 

Important Information to Applicant(s). To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for a loan or opens an account.  What this means for you. When you apply for a loan or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.

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