Mortgage Loan

Mortgage Loan



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!

Work with us on your terms. Whether you want to apply for a mortgage or need mortgage pre-approval, we’re here to help. 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!

Fill out an application and submit by fax, email or drop off at any one of our locations.

Mortgage Loan Application

We’re excited to do business with you!



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 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, VA, Section-184 and low down payment FHA loans.

Welch State Bank offers home loans with:

Competitive Rates Long-term


 100% Financing*

Adjustable rates

Low closing costs

*Not to exceed Fair Market Value


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:

Consolidating debt

Home improvements

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