Residential Lending
Looking to buy a new home or refinance your current one? Our no-cost, no-obligation prequalification process will help you in your decision making process. When you’re ready, KS StateBank has a home loan solution for you.
We know that sometimes the thought of getting a new mortgage or refinancing can seem overwhelming. That’s why we’ve compiled some useful resources for you to use while researching your options and working through the process.
Home Loan Resources
Loan Programs Available
- FHA Loans
- VA Loans
- Conventional Loans
- USDA/Rural Development Loans
Auto, Home Equity and more
When the time comes for a new (or used) car, you’re ready to add that long awaited addition to your home or take that dream vacation... a personal loan from KS StateBank can help make it happen.
Personal Loans include Auto Loans and Home Equity Lines of Credit, but we lend for all sorts of reasons. Regardless of what you need, give us a call today to see if we can help!
How to apply for a Personal Loan:
- Complete and sign the application.
- Securely email your application to cluw@ksstate.bank using our Confidential Email system.
- Note: It's important to use our Confidential Email system to when emailing your application in order to protect your information.
- Note: It's important to use our Confidential Email system to when emailing your application in order to protect your information.
- You can also drop off your application at the nearest KS StateBank branch or mail it to us at:
KS StateBank Consumer Lending
1010 Westloop Place
Manhattan, KS 66502
1010 Westloop Place
Manhattan, KS 66502
Auto Loans
We have loans on wheels!
With an easy application and fast approval, you can be on the road in no time. Our Auto Loans have flexible terms and no penalties for early payoff. Get pre-approved before you go shopping, and benefit from having negotiating power at the dealership!
Home Equity Line of Credit
If you own a home, one of the best financial tools you have available is the equity that you have in that home.
Equity is created when your home’s value exceeds the amount you owe on your home loan. By using that equity, you can make home improvements, consolidate debt, and more.
With a HELOC from KS StateBank, you are able to establish a maximum line of credit amount, and have the ability to draw from that amount for whatever you need, whenever you need it. It’s nice for short-term expenses, because you only pay interest on the amount you’re currently using.
- Competitive rates
- Adjustable rates
- Easily draw on your line of credit by making transfers through Online Banking
- Interest may be tax deductible (consult a tax advisor for more information)
How to apply for a Home Equity Line of Credit:
- Complete and sign the application.
- Securely email your application to cluw@ksstate.bank using our Confidential Email system.
- Note: It's important to use our Confidential Email system to when emailing your application in order to protect your information.
- Note: It's important to use our Confidential Email system to when emailing your application in order to protect your information.
- You can also drop off your application at the nearest KS StateBank branch or mail it to us at:
KS StateBank Consumer Lending
1010 Westloop Place
Manhattan, KS 66502
1010 Westloop Place
Manhattan, KS 66502
KS StateBank | NMLS ID 410602
High-Balance Deposits