Personal Loans


We have the Lending Experts! Welch State Bank offers an array of consumer loans, including Home Purchase, Home Equity, Construction, Auto, Boat, and other-purpose loans for all worthwhile purposes.

Click the “Get Pre-Qualified Now!” Your information will come directly to our Lending Experts to start the Home Loan Pre-Qualification process, or give us a call today 918-788-3373  Your dream home is waiting!


Are you looking to buy a new car and need financing? Let us help! Our Lending Officers have the ability to make same day decisions. We are a local bank, with local people, and we make local decisions. We’re excited to do business with you!


We would love the opportunity to be a part of your home buying experience! We offer every type of Home Loan product available. Our Lending Experts will be with you every step of the way, offering you a one-on-one customer service focused experience while making your new home purchase simple and stress-free.

Come see why Welch State Bank has been voted best Mortgage Lender in Ottawa County for 16 years in a row by the readers of the Miami News Record!

Home Mortgage Loans Whether you’re a first-time home buyer, looking to buy your next home, or refinance your current home, our expert mortgage Lending 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, VA, Section-184 and low down payment FHA loans. Welch State Bank offers home loans with:

  • 100% Financing*
  • Low Closing Costs
  • Competitive Rates Long-Term
  • Fixed-Rates
  • Adjustable Rates

*Not to exceed Fair Market Value

Click here to learn more about USDA Rural Development Loans

Home Improvement Loans Time for some home improvements? We can help! Call today and speak with a Lending Expert.
It’s time to upgrade!

  • HVAC
  • Roofing
  • Windows
  • Flooring
  • And more!

Home Equity Loans Need some extra cash? Welch State Bank offers home equity loans and home equity lines of credit. These loans may be ideal when considering:

  • Home improvements
  • Luxury Vacations
  • Consolidating Debt
  • Business Investments
  • And more!



Construction Loans We can help you with a construction loan, bridge loan, and permanent financing. Build your dream home with hassle-free financing and bridge loan options available while you build your new home. Call us today!