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

  • Fixed Rate Conventional Mortgages
    • Purchase and Refinance
    • First Time Homebuyer Programs
    • Jumbo Mortgages
    • Second Homes
    • Investments
    • Manufactured Homes
  • Balloon Mortgage
    • 10% Down 1st Time Home Buyer
    • Construction
  • 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
  • Low fee based loans

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

Private Student Loans

There are many ways to pay for the cost of a higher education.  After considering all your federal loans, scholarships and grants you may still have a gap you need to cover to pay your total college costs.

OSBcb works with the iHELP Student Loan program to provide an attractive private student loan that can help to cover that gap.

* Competitive interest rates
* No origination or repayment fees
* Flexible repayment options
* Easy to apply and responsive customer service

Apply online here.