Consumer Real Estate Lending


At Apple River State Bank, we have an outstanding reputation for servicing consumer and real estate loans, right here in Jo Daviess County. Our expert staff have a proven record of customer satisfaction and are just a local phone call away. We offer a variety of financing options, so stop in or give us a call today.

We believe local service is better service, don’t you? Trying to get good customer service from someone over the phone in a distant location is difficult. It’s worse yet if you have a problem that needs to be resolved. Apple River State Bank will look at your situation and provide a financing option that meets your needs.

  • Consumer Loans

    Our Bank offers a wide variety of consumer loans for vehicles, recreational purposes, and personal loans.

  • Home Equity Loans

    Home Equity loans can be a source of funds for many reasons, home improvements, debt consolidation, and many other purposes.
    Ask us to provide you with an overview of how a Home Equity Loan can help you manage your finances.

  • Real Estate Loans

    Our Loan Department specializes in real estate lending. We offer a range of real estate loans that includes
    residential, vacation and commercial real estate loans.

Whether you are buying, building, or refinancing we will make you feel right at home. Apple River State Bank will provide competitive rates, an easy application process, local decisions, and quick turnaround time.

Contact any of our mortgage lenders if you have questions concerning the lending process. If you would like to start the application process online, simply select the "Apply Now " button below.

Before you get started, please reference the tabs below:

  • 30 Days of most recent paystubs
  • Last tax return and W-2 form (2 years if self-employed)
  • Copies of most recent investment statements
  • 2 months of your most recent checking account statements
  • A copy of current Homeowners Insurance Policy (if applicable)
  • Divorce Decree (if applicable)
  • Purchase contact/Sales contract
  • Social Security of Pension Award letter (if applicable)

  • Current and former employers’ contact information (names, addresses, and phone numbers) 2 year’s history
  • Housing expenses (monthly rent or mortgage payment amounts, insurance payments, real estate taxes, homeowners, and association dues, etc.) and Landlord name and contact information
  • Liquid Assets (i.e., assets that are easily convertible to cash), including checking, saving and money market accounts, trust funds, etc.
  • Other liabilities, including accounts and balances that might not be reported on your credit report

Seinior VP & Morgage Lender Val Stocks

Val Stocks

Senior VP & Mortgage Lender
Warren Office
NMLS# 627373

Loan Officer Ban Wooden

Ben Wooden

Loan Officer
Warren Office
NMLS# 888993

Assistant VP Lending Dog Laity

Doug Laity

Assistant VP Lending Loan Officer
Galena Office
NMLS# 1116301

Mortgage Lender Marcy Doyle

Marcy Doyle

Mortgage Lender
Galena Office
NMLS# 1438351

Assistant VP Lending Jason Thomasson

Jason Thomasson

Assistant VP Lending
Elizabeth & Hanover Offices
NMLS# 627892

Apply Now