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Apply Online

Apply Now! Edmonton State Bank has made it more convenient to apply for one of our home loan products with online applications. Click on "Apply Now", to learn more about the features of our home loan products, check rates, and even apply for a home loan online!

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Zero Down Payment Options

Are you wanting to purchase a home without a down payment?  We have loan options that require zero down, and you don’t even have to be a first-time homebuyer to qualify.        


Construction Loan Rates As Low As 0.99% (2.35% APR)

Are you thinking about building your dream home?  We offer construction loan rates as low as 0.99% (2.35% APR) with primary checking account required. 


Cash Out On Your Home

Take advantage of the equity in your home by cashing out to start a home improvement project, pay off debt, or for any other purpose. With property values increasing, you may be surprised how much you can get.


Complete Line of Mortgage Products

Whether you’re purchasing your first home, upgrading to a bigger house, building your forever home, remodeling your house, or just simply refinancing to a lower interest rate, our team of mortgage lenders is here to provide what you need.  We offer a complete line of mortgage products including:

  • Conventional Fixed Rate Mortgages
  • Government Programs (USDA/RHS, VA, FHA)
  • Construction Loans
  • Bridge Loans
  • Jumbo Loans
  • Home Equity Loans
  • Home Equity Lines of Credit


Local Decision-Making and Local Service

ESB has been locally-owned for over a century so we understand the value of being local.  Our local decision-making leads to common sense decisions and fast turnaround times.  Our goal is to take the stress out of the home loan process and make it as seamless as possible for you.  And most of our mortgage loans are serviced right here at ESB allowing your loan to stay local until the very end.  We strive to serve you not only through day of closing but beyond