COMPETITIVE RATES AND FEES

State Bank's fees are the lowest in the marketplace.  There won't be surprises when it's time to close.  To obtain information about current rates Contact Us at (435) 586-0694 or E-mail Us.

We Save you Time. We Save you Money.
We Save You Aggravation
What More Could You Ask For?

Equal Housing Lender

AUTO, PERSONAL AND HOME EQUITY LOANS

Contact Us
Loan Calculator
E-Mail us for Info

Auto Loan: Shopping for a new or used car?  State Bank can finance your purchase with competitive rates and terms.  We're fast, efficient, and conveniently located throughout southern Utah.  Most auto loans approved in 24 hours!  All loans are processed and approved locally, so you deal with people you know.  Don't go car shopping without the bargaining power of a pre-approved State Bank loan.

Boat and Recreational Vehicle Loan: Why wait?  See a State Bank loan officer today and make your dreams come true.

Home Equity Line of Credit: Borrow against the equity in your home and save twice.  First, the interest is usually tax-deductible.  Second, Home Equity loans normally carry a low rate of interest.  Borrow up to 80% of your home's appraised value less outstanding mortgage balance. A Home Equity loan is perfect for remodeling, debt consolidation, and large expenditures.   Use as needed by writing a check and pay interest only on the funds borrowed. Funds become available again once the principal is paid.

• No Closing Costs
• Prompt Loan Approval
• Access Funds by Writing a Home Equity Check

Unsecured Loans: Use your good credit history and healthy cash flow to obtain an unsecured loan.  Consult with a State Bank loan officer to determine if this loan is right for you.  In some cases it may be better to secure your loan with appropriate collateral.

Payment Protections: Do big loan payments have you worried about the unexpected?  Enroll in our payment protection program and stop worrying.  We offer individual or joint life insurance to pay off the loan if you should die before the loan is paid off.  We also offer disability coverage to make your payments should you become incapacitated and unable to work.  Sign up today and sleep better.

Mortgages (Home Loans)

We are your home loan experts since 1957.

State Bank of Southern Utah is dedicated to the growth of southern Utah and is committed to its residents and their dreams.  This tradition of commitment will continue into the next century and beyond. 

Mortgage Lending: Never has it been so easy.  Here's why:

• Local Decisions: Unlike many other banks, all decisions and processing on your loan are made locally.
• Fast Pre-approval
• Local Servicing: Payments remain with us from purchase to payoff.
• No Application Fee
• In-house Underwriting Did we already mention fast pre-approval?
• Convenience: Construction loans can easily turn into mortgage loans.
• Loans are Processed Quickly
• Download Loan Application (Adobe PDF format). Avoid frustration! Save the form after entering a few lines of data to ensure that your version of Acrobat Reader saves your input. If not, print and fill out the form by hand or download a new version of Adobe Reader.
• Download Loan Checklist (Adobe PDF format). Use this checklist to help you gather all the documents you need to apply for a loan.

We also offer:

• Construction Loans
• Complete Mortgage Loan Services
• Money-Saving Construction/Mortgage Packages

 

Equal Housing Lender

CONSTRUCTION LOANS

Building Contractors Prefer State Bank.

• Experience: State Bank is a top construction lender in the area and has been for forty years.
• Safety: State Bank obtains lien release waivers on each phase of completed work.  You are protected.
• Funds Release:  Funds are released as work is completed.  This is an important factor in keeping your building project within budget.
• Inspections:  Inspections are completed prior to funds release.  All inspections and appraisals are handled locally.
• Savings: Our construction/mortgage package will save you time and money.

E-mail:  Click Here.  Add the words "Construction Loan" in your text.  Tell us where the construction will take place to help us route your question to the right officer.

Phone:
435-865-2385 Cedar Officer
435-865-2356 Cedar Loan Administration
435-652-7074 St. George Officer