Mortgage Loan

Mortgage Loan


Home Mortgage

Whether you’re a first-time home buyer, looking to buy your next home, or refinance your current home, our expert mortgage loan officers are here to answer your questions.

We provide a variety of services to our customers a diverse menu of residential mortgage loan products including, but not limited to, Conventional, no down payment Rural Development and low down payment FHA loans.

Welch State Bank offers home loans with:

Competitive Rates Long-term

Fixed-rate loans

Zero-down payment loans

Adjustable rate mortgage loans

Low closing costs

Home Equity Loans

Need some extra cash? Welch State Bank offers home equity loans and home equity lines of credit no matter the reason. These loans may be ideal when considering:

Consolidating debt

Home improvements

College tuition

Business investments

Luxury vacations

And more!

Construction Loans

Welch State Bank can help you with a construction loan, bridge loan, and permanent financing. Get your dream home off the ground call us today.

Welch State Bank offers construction loans:

Build your dream home with hassle-free financing

Bridge loans available while you build your new home

Construction loans to permanent financing

Work with us on your terms. Whether you want to apply for a mortgage or need mortgage pre-approval, we’re available online, on the phone or face-to-face in your neighborhood. Get pre-approved for one of our mortgage loans and go house hunting with confidence knowing how much you can afford.

We are with you every step of the way.

Our goal is to provide the highest level of service at competitive rates!

Come see why Welch State Bank has been voted best Mortgage Lender in Ottawa County 13 years in a row by the readers of the Miami News Record.



Lender - Steve Owens Location - Miami, OK This position is responsible for discussing client's needs to recommend the best loan products for them while also effectively promoting the sale of bank products and services. The ideal candidate will be an outgoing, enthusiastic self-starter, and have excellent attendance. Candidate will also pursue new loan and deposit relationships as well as maintain or enhance existing relationships. Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | blowery@welchstatebank.com   Portfolio Manager | Welch Location | Welch, OK

This position is responsible for assisting our Loan Officers in preparing loan documentation and other various assisting duties.

The ideal candidate will be self‐motivated, confident, detail‐oriented, and analytical. They must also have the ability to multi‐task and manage time effectively while having professional demeanor, personal integrity, and have excellent attendance.

Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | blowery@welchstatebank.com   Full-Time Teller | Welch Location | Welch, OK This position is responsible for building strong customer relationships by providing outstanding customer service, effectively promoting the sale of bank products and services, and accurate teller transaction processing. The ideal candidate will be an enthusiastic self starter, have excellent attendance, possess outstanding customer service skills and have an eye for detail. Retail sales and cash handling experience preferred. Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | employment@welchstatebank.com
Lender - Steve Owens Location - Miami, OK This position is responsible for discussing client's needs to recommend the best loan products for them while also effectively promoting the sale of bank products and services. The ideal candidate will be an outgoing, enthusiastic self-starter, and have excellent attendance. Candidate will also pursue new loan and deposit relationships as well as maintain or enhance existing relationships. Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | blowery@welchstatebank.com   Portfolio Manager | Welch Location | Welch, OK

This position is responsible for assisting our Loan Officers in preparing loan documentation and other various assisting duties.

The ideal candidate will be self‐motivated, confident, detail‐oriented, and analytical. They must also have the ability to multi‐task and manage time effectively while having professional demeanor, personal integrity, and have excellent attendance.

Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | blowery@welchstatebank.com   Full-Time Teller | Welch Location | Welch, OK This position is responsible for building strong customer relationships by providing outstanding customer service, effectively promoting the sale of bank products and services, and accurate teller transaction processing. The ideal candidate will be an enthusiastic self starter, have excellent attendance, possess outstanding customer service skills and have an eye for detail. Retail sales and cash handling experience preferred. Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | employment@welchstatebank.com
Our Loans