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 15 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

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!