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Before you go looking for your dream home, get approved for a home mortgage loan. We offer competitive interest rates and various programs to get you the most affordable option. Since we're right here in Southern Ohio, you won't have to wait forever and a day for an approval. With personal service in your hometown, we'll be right by your side to address any questions or concerns you may have.

Wondering how much you can afford? Click here to find some helpful tools during the mortgage process.

Mortgage Calculators

  • Buy or refinance your dream home
  • Competitive rates and a wide range of terms available
  • Variety of mortgage loan options, including government loans:
    • Traditional fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • VA Loans
    • USDA Rural Housing Loans
    • FHA Loans
  • Personalized service here in Southern Ohio and fast decision-making
  • First State Bank lenders are familiar with the local market


If you need information, a payoff statement, or you think we may have made an error while servicing your mortgage, please contact us in writing with your information request or notification of error and we will get back to you as soon as possible. You may drop the request off at any of our branches or you can also contact us by mail. Below is the information that must be included in your written request for information or written notice of error.

  • Your Name
  • Mortgage loan account #
  • The error or information that you are requesting

You’re at home with us!