Alliance Bank offers many types of loans with competitive rates, decisions made locally, fast approvals, low closing costs and confidentiality. We are locally owned and managed and are able to remain flexible and responsive to your needs.

Our Lending Team is trained and skilled in helping borrowers find the best solution for their loan needs. It’s easy to apply for a loan at Alliance Bank. For more details about our loan products, choose one of the tabs to the left.

Apply for A Mortgage Online! 

Alliance Bank now offers an online mortgage application. Our short application is an easy and fast way to request a mortgage.

Click Here to Apply


Whether you are building a new barn, purchasing a new tractor or buying a new farm, Alliance Bank has you covered with quick approvals and competitive rates!

As a community bank, every decision is made locally, by people who believe in your business!

  • Operating Lines of Credit
  • Equipment Loans
  • Livestock Loans
  • Real Estate Loans
  • Construction Loans
  • Ag-Business Loans

Call a member of the Alliance Bank Lending Team today!

Business Loans

Alliance Bank believes local businesses and professionals are the foundation to our success and of the communities we serve. Our commercial lending experts can identify the best loan product to help your business grow. What's more, we understand the importance of a timely, thoughtful response to your loan request. As a community bank, every decision is made locally, by people who believe in your business. A wide variety of commercial loan products are available with competitive rates and repayment terms. We provide:

  • Accounts Receivable Financing
  • Equipment and Vehicle Financing
  • SBA and USDA Loans
  • Working Capital Loans
  • Lines and Letters of Credit
  • Business Purchase Loans
  • Business Refinance
  • Business Start-Up Loans
  • Business Expansion Loans
  • Commercial Real Estate Loans
To start your loan application process, you will need:
  • Complete personal and business tax return for previous three years
  • Current business financial statement
  • Drivers License and Social Security Card

Alliance Bank business loans may be secured or unsecured, with either fixed or floating interest rates. All loans are subject to credit approval.

Call a member of our Lending Team today!

Personal Loans

If you need a loan for personal use, Alliance Bank can help. We offer competitive rates on loans for just about any purpose and budget. Our Lending Team will assist you in a timely manner answering your questions and offering solutions.
  • Home Equity Loans and Lines
  • Automobiles
  • Boats and Watercraft
  • Recreational Vehicles
  • Personal Use
  • Loans to Make Improvements to your Home
  • Certificates of Deposit as Collateral

Residential Loans

Want to apply for a mortgage online? It's easy! 

Alliance Bank now offers an online mortgage application. Our short application is an easy and fast way to request a mortgage.

Click Here to Apply


Alliance Bank offers a wide variety of loans for your purchase, refinance, including cash-out refinance, construction loans, and home equity credit lines. We specialize in solutions that meet your needs.

Our mortgage experts provide personal advice and counseling and work with you throughout the loan process. We offer a pre-qualification service to expedite your purchase. Contact one of our mortgage originators to discuss the loan program best suited to your particular needs.

Fixed Rate

Not government insured or guaranteed.

  • Up to 95% maximum LTV*
  • Terms available up to 30 years
  • PMI** is required on loans with LTV* greater than 80%
  • Eligible property types
  • Purchase and refinance transactions available
  • Fixed rate loans may be serviced locally

Adjustable Rate

An adjustable rate mortgage gives Alliance Bank the flexibility to create a mortgage for those who may have needs that are not met by a fixed rate mortgage. The loan may have lower beginning interest rates (and lower payments) than fixed rate mortgages and can increase or decrease after the initial adjustment period. Typically a person who may only stay in a home for a short period of time may choose this product to reduce the mortgage costs during their limited stay in the home.

FHA (Federal Housing Authority) Loans

FHA loans aid lower income borrowers to purchase otherwise unaffordable homes.

  • 96.50% LTV* on purchase transactions and up to 97.75% LTV* on refinance transactions
  • Lending limits vary based on housing types and the state and county in which the property is located
  • FHA collects an up-front mortgage insurance premium along with an annual fee
  • 620 minimum credit score
  • Eligible property type
  • 30 year fixed rate term available
  • Purchase and refinance transactions available

VA (Veterans Administration) Loans

VA loans offer long-term financing to eligible veterans, active duty personnel or surviving spouses.

  • Up to 100% financing available
  • Guaranteed by U.S. Department of Veteran Affairs
  • VA collects a funding fee on each loan to compensate for any losses or defaults unless the veteran is exempt
  • 620 minimum credit score
  • 30 year fixed rate term available
  • Eligible property type
  • Purchase and refinance transactions available

Guaranteed Rural Housing Loans (USDA-United States Dept of Agriculture)

Guaranteed Rural Housing loans are geared to help moderate income families.

  • Up to 100% LTV* based on appraised value
  • Property must be in a rural eligible location
  • Guaranteed by USDA
  • Rural Housing collects an up-front guarantee fee along with an annual fee
  • Guaranteed loan eligibility income limits apply
  • 620 minimum credit score
  • 30 year fixed rate term is available
  • Eligible property types

Jumbo Fixed Rate Loans

Jumbo Fixed Rate loans are those with balances in excess of $417,000.

  • Minimum loan amount $417,000
  • Minimum credit score 720
  • Loans under $1MM require 1 appraisal, loans over $1MM require 2 appraisals
  • Additional requirements and conditions apply

1-4 Family Investment Property Fixed Rates

  • Minimum credit score is required for purchase, rate and term refinance, or cash out refinance
  • All 1-2 unit properties maximum loan to value is 75%, all 3-4 unit properties maximum loan to value 70%
  • Reserves required equal to 6 months principal, interest, taxes and insurance for subject properties.
  • Can finance up to 2 investment properties


Alliance Bank specializes in helping customers build their dream home. Our Construction Loan Program provides short-term financing for a specified period of construction with "interest only" up to a maximum of 12 months. Upon completion, the bank will refinance the home for the long term in the appropriate loan program.

Home Equity Credit Line

A home equity credit line allows a homeowner to borrow against the equity in their home with specific limits and terms. This is an open-end loan with the ability to borrow and repay funds as needed for a variety of purposes.

  • Up to 90% maximum LTV* for eligible borrowers
  • No closing costs or annual fee
  • Loan term of 10 years
  • Requires a minimum monthly payment of principal and interest if there is an outstanding balance
  • $10,000 minimum loan amount
  • Only available on 1-4 family owner occupied dwellings
  • Convenient access by check, online banking, or at one of our branches
  • Interest may be tax deductible (consult your tax advisor)

** LTV - Loan to Value
** PMI - Private Mortgage Insurance

Call a member of the Alliance Bank Lending Team today!

Loan Calculators

Mortgage Loan Calculators

Featured Story
Alliance Bank Welcomes Darrell Aufdenberg 1/19/2018
We would like to welcome Darrell Aufdenberg to our Alliance Bank family. Darrell has been in banking for over 20
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