bath bank sign for mortgage or construction

We understand that every person who walks through our door has a unique situation. Buying your home is one of the most important financial decisions you’ll ever make. Whether it’s your first home, a second home or investment/rental property, we have financing solutions to fit your needs as our service is personalized.

Our experienced loan officers take the time to evaluate your needs to create the best-possible mortgage product for you. We realize that it can be confusing to fully understand each program; this is why our loan officers will explain your options after reviewing your situation. 

Visit our handy links within our Mortgage/Loan section.


  • Conventional Mortgage
  • Freddie Mac
  • Construction
  • Second mortgages; Refinancing
  • Home Equity
  • Vehicle/Personal
  • Commercial/Business
  • Farm/Agricultural


We do business the old fashioned way — by name and in person. For your convenience to start your Home-Mortgage or Home Equity loan process, please visit our Loan Application page(Note - for Ag Loans, please visit Ag Section.)


Feel free to call us to set up an appointment, or simply stop by the Bank. It’s a casual, relaxed atmosphere in Bath, West College Corner and Liberty. Make us your source for all of your credit and mortgage products. Our phone is 765-732-3022 (toll free at 800-463-7464.)


With an escrow account the cost of real estate taxes, homeowner's insurance and similar items is automatically included in your monthly mortgage payment. When taxes, insurance premiums and other expenses are due, we'll pay them on your behalf. It helps with household budgeting, eliminates the possibility of forgetting to make important payments. Just ask us and we can explain this service for you.


All loans are subject to credit approval