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Personal Loans


"GROWING WITH YOU" is more than just a tagline at Owen County State Bank. As your financial needs change over the years, we will be here to assist you along the way.

Our experienced lending team is here to guide you through the loan or mortgage process. As a community bank, we make our loan decisions locally and promptly.

A house


Whether you are buying your first home or growing into a new home, our experienced mortgage professionals will guide you through the process and help you find the option that is right for you.

Click the Apply Now button to begin the application process for a Mortgage Loan, Pre-Approval or Re-Finance. 

Apply Now 

If you already started an application and created a login, then you can click the Borrower Portal button to access your account.

Borrower Portal

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Personal & Auto Loans*

Seeking a new car, appliance, recreational vehicle, motorcycle, or that long-awaited dream vacation? Rest assured; we strive to respond with a quick approval when possible. As a local bank, your credit talks stay confidential, and our adaptable programs match your needs and budget with the right loan. We provide affordable rate options for secured and unsecured loans. Borrow against your savings for a lower loan rate, preserving your deposit's growth. Contact our loan officers for more information and support.

a House

Home Equity Line Of Credit*

A Home Equity Line of Credit (HELOC) allows you to borrow against the equity in your home. HELOCs are a great way to help pay for your child's college education, a home improvement you've been thinking about, or for the vacation you've been dreaming of. No matter what you need the money for, Owen County State Bank makes getting it easy. Our loan officers can help you through each step of the process.

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Ready Reserve*

Protect your checking account from NSF fees by linking a Ready Reserve.

  • No annual fee
  • No collateral required
  • Competitive rates
  • Flexible payment options
  • Provides overdraft protection for your Personal Checking Account

*All loans are subject to credit approval. Please contact Owen County State Bank for current interest rates. Owen County State Bank is an Equal Housing Lender.

Important Information About Procedures for Opening a New Account:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Contact Your Local Branch Locations