Loan Information


CLICK HERE to make a loan payment.
Loan payments from non-Central State Bank accounts are not processed through our online banking system.





Your loan needs are important to us, and we're here to help you navigate through the process.
We can and will tailor a loan to your specific needs. When you make a loan with Central State Bank you can expect:

  • A loan officer who takes the time to learn your specific requirements.
  • A loan officer who communicates the process to you clearly.
  • A loan officer who walks you through the loan process.

Experience a different kind of bank - call today!



Home Equity Line of Credit Can Be Used For:

  • Consolidation of other debts
  • Home repairs, improvements, expansion
  • Finance a new car, boat, or recreational vehicle
  • Unplanned emergencies

Benefits of a Home Equity Line of Credit:

  • Easy Access
  • Readily Available
  • Tax deductible interest
    (Check with your tax advisor for certain restrictions)
  • No Penalty for early prepayment
  • No Required minimum draw or minimum loan balance
  • May pay extra principal at any time without penalty


Uniform Residential Loan Application
Uniform Residential Loan Application for Additional Borrower

Once you have downloaded and completed the application, please send it to the bank using a secure method.
If you have any questions please contact your loan officer.




Business Loans


We offer various types of loans:

  • Lines of Credit: sometimes your business may need a line of credit to help with the daily flow.
  • Commercial Loans: used for equipment and other needs a business may have.
  • Commercial Real Estate Loans
  • SBA Loans: Central State Bank is a preferred provider of these important business loans.
  • Construction Loans with quick turnaround time and various terms available.



Real Estate Loans


Central State Mortgage's Loan Expert can help you identify and understand all of your mortgage options, for both purchasing a home or re-financing your current mortgage. For long term, fixed rate financing options, please contact Central State Mortgage using the contact information listed below.



Central State Mortgage Logo

Phone (205) 981-6555
Monday - Friday I 8:30 a.m. - 4:30 p.m.

Types of mortgage programs:

  • FHA
  • VA
  • And many other programs