Your Path to Homeownership Starts Here
Competitive rates, local underwriting decisions, and expert guidance make us a trusted mortgage lender in the region.
Personal Banking
Local Expertise. Competitive Rates. Personal Service.
Our mortgage lending goes beyond paperwork — it's about helping you achieve the dream of homeownership. Our licensed mortgage advisors work with you from pre-approval through closing, providing transparent guidance every step of the way. With local underwriting decisions, you're never waiting on a distant headquarters to approve your loan. Most purchase mortgages close within 28 days.
Key Benefits
Everything You Need. Nothing You Don't.
Pre-Approval in 24 Hours
Get a verified pre-approval letter in as little as one business day — giving you a competitive edge in any market.
Local Underwriting
Every mortgage decision is made locally by our team, not a call center. Faster answers and a human who knows your market.
Competitive Fixed & ARM Rates
Choose from 10, 15, 20, and 30-year fixed mortgages, or explore our adjustable-rate products for lower initial payments.
First-Time Buyer Programs
Special programs for first-time buyers including low down payment options as low as 3%, down payment assistance, and educational resources.
Dedicated Loan Officers
You'll work with a single dedicated loan officer from application to closing — no handoffs, no confusion.
Rate Lock Guarantee
Lock in your rate for up to 90 days while you shop for your home. If rates drop during your lock period, we'll match the lower rate.
Rates & Details
Current Mortgage Rates
Rates effective as of April 30, 2026. Subject to change without notice. APR = Annual Percentage Rate.
30-Year Fixed
Most popular option
6.75% / 6.82% APR
Featured
15-Year Fixed
Build equity faster
6.12% / 6.21% APR
10-Year Fixed
Lowest total interest
5.98% / 6.08% APR
5/1 ARM
Fixed for 5 years, then adjusts
5.75% / 6.15% APR
FHA Loan (30-yr)
3.5% minimum down payment
6.50% / 6.72% APR
FAQ
Frequently Asked Questions
Conventional loans require as little as 3% down for first-time buyers, and 5% for repeat buyers. FHA loans require 3.5% minimum. VA and USDA loans offer zero down payment for qualifying borrowers. We recommend at least 20% to avoid PMI.
You’ll typically need: last 2 years of tax returns and W-2s, last 30 days of pay stubs, 2–3 months of bank statements, government-issued ID, and information on any other assets or debts.
Most purchase mortgages close in 28–45 days from application. Refinances typically take 30–60 days. Our local underwriting team works to expedite every loan while ensuring thorough due diligence.
Yes, and existing customers receive a discounted origination fee on refinances. Our refinance specialists can analyze whether a rate-and-term refinance, cash-out refinance, or streamline program makes the most sense for your situation.