Personal Loans

As a local community bank, we channel most of our loans to the neighborhoods where our depositors live and work, helping to keep local communities vibrant and growing. We value our customers, which is why we serve you with a skilled Retail Lending Team that will work with you to achieve your lending needs.  Because we are a locally owned bank, you have the convenience of quick decision making concerning your loan request.


Mortgage Loans

Are you looking to buy a new home, or to lower your existing mortgage payments by refinancing your home loan? If so, OSB would love to help you get the mortgage loan that fits your unique needs.

Our goal is to make your mortgage application as easy as possible. Our experienced lenders provide personalized service and can walk you through the process of securing a mortgage. Learn more about why OSB is the right mortgage lender, click here.

Wondering how to apply for a mortgage loan for the Michigan home? A good place to start is by reviewing these FAQs about our mortgage loan closing process.

Ready to discuss your mortgage options? We look forward to serving you! To get started, please give Kacie Eberenz (NMLS# 1458409) a call at 517.592.1058.

  • Fixed Rate Conventional Mortgages
    • Purchase and Refinance
    • Jumbo Mortgages
    • Second Homes
    • Investments
    • Manufactured Homes
  • FHA, 203K,
  • VA
  • Rural Development

Benefits to Working With OSB Mortgage Products:

  • Local appraisers
  • Local title companies
  • Quick turnaround time
  • Issues resolved quickly
  • Full underwriting on all pre-approvals

How to Get Started on Your Mortgage Loan

Obtain a mortgage application here.  Bring with your completed application, the following items:

  •  2 most recent consecutive paystubs for all applicants covering the last 30 days
  •  2 prior years W2’s
  •  2 prior years full tax returns with schedules – if self employed only
  •  Social Security or Pension Award Letter – if applicable
  •  Purchase Agreement – if applicable

Mortgage Staff

  • Kacie Eberenz, Mortgage Lender/Lead Personal Banker - #1458409
  • Cathy Wobrock, AVP Branch Manager/BSA Officer - #1193683
  • Tara Charles, Retail Administration/Branch Manager - #1243892
  • Michelle Brasseur, SVP Senior Commercial Loan Officer - #1243895

Home Equity Loans

Find out how to make your home work for you with OSB’s hassle free HELOC’s.

How to Get Started

Obtain a consumer loan application here.  Bring with your completed application, the following items:

  •  2 most recent consecutive paystubs for all applicants covering the last 30 days
  •  2 prior years W2’s
  •  2 prior years full tax returns with schedules – if self employed only
  •  Social Security or Pension Award Letter – if applicable

Personal Consumer Loans

OSB will partner with you to help you meet your personal financial needs with a variety of secured and unsecured consumer loan products.

Personal Consumer Loans for:

  • Vehicles, Boats, RV’s, Trailers, etc.
  • Unsecured Loans

How to Get Started

Obtain a consumer loan application here.  Bring with your completed application, the following items:

  •  2 most recent consecutive paystubs for all applicants covering the last 30 days
  •  2 prior years W2’s
  •  2 prior years full tax returns with schedules – if self employed only
  •  Social Security or Pension Award Letter – if applicable