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PH: 810-657-9333


Are you in the market for a loan? Exchange State Bank offers competitive terms and rates on our mortgages to help with the refinance or purchase of a new home. You'll also find it comforting to know we provide auto and personal loans, as well as loans for agricultural or business needs. Contact us today and let us help you with your borrowing needs.
Buying a home can be one of the biggest decisions you'll make in your lifetime. So, don't risk the process with just anyone. Let the mortgage experts at Exchange State Bank help put you in the home of your dreams. Or, if you're already a homeowner, it may be time to check about refinancing or pulling out some equity for that new kitchen you've always dreamed of. 

  • Mortgage Construction
  • Home Equity
  • Home Equity Line of Credit
  • Conventional Mortgage
  • Fixed-Rate Mortgage

Apply Online                                                    Mortgage Loan Calculator

Mortgage Application

Mortgage Application - Additional Borrower

Unmarried Addendum Form  

Before you go shopping for that new vehicle, check with Exchange State Bank and let us get you pre-qualified. You'll be better prepared to negotiate with the dealership and have the worry about where to get financing out of the way. We also offer a variety of other great loan programs for your personal borrowing needs.

Calculate Payment Consumer Loan Application

As a farmer, you work hard enough, so we try to make getting a loan one of the easier parts of your day. We offer a variety of agricultural loan programs and seasonal payment terms to let you run your farming business.

  • Operating Lines of Credit
  • Crop Production
  • Livestock and Machinery Purchases
  • Land Purchases
  • Farm Mortgages

Looking to expand your business and purchase some new equipment or possibly add on that expansion you've been talking about for years? Well, wait no more... Let Exchange State Bank's business lending team help with your business loan needs. We offer a variety of different loan programs for all types of businesses, so contact us today let's see how we can help.

  • Operating Loans
  • Lines of Credit
  • Building and Equipment Purchases
  • Land Purchases


Get the money you need to reach your higher education goals. After considering federal loans, scholarships and grants you may still have a gap to cover your total college costs.  Exchange State Bank works with College Ave Student Loans to provide a simple application and a personalized loan experience.


PPP Loans (Paycheck Protection Program)

Interested in applying for a PPP loan?  We are currently accepting applications for both customers and non-customers until March 31, 2021.  Please learn more or call one of our lenders at 810-657-9333.