Mortgage Center

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for approval.
  3. An ESB Loan Officer will follow up to answer your questions.

Apply Now

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 270-659-3546.


Building a home? Apply for a construction loan today.

Government Loans

We offer Government Loans with little-to-no down payment required. Do a rate search to see if you qualify.


Unsure of which way to go? Use our mortgage calculators to help you make the right decision.

Today's Rates

Conventional Mortgage Loans
30 Year Fixed Rate (MB-TRID)
 Rate  APR  Points
 4.750%  4.872%  1.000%
 5.000%  5.035%  0.000%
20 Year Fixed Rate (MB-TRID)
 Rate  APR  Points
 4.500%  4.665%  1.000%
 4.750%  4.797%  0.000%
15 Year Fixed Rate (MB-TRID)
 Rate  APR  Points
 4.000%  4.207%  1.000%
 4.375%  4.434%  0.000%
Construction Loan
Construction Loan Primary Residence 12 Month Term
 Rate  APR  Points
 1.990%  5.355%  0.000%

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