Your home is an investment. Better choose the right loan.
Let us help you choose the right financing. It can make a big difference in your future.

A Wide Range of Options At Very Competitive Rates

• Real Estate Mortgages - Fixed and Adjustable Rate

• Loans Up to 103% of the Purchase Price

• VA Loans

• Refinancing

• Conventional Loans

• Construction Loans

• Home Equity Loans

Personal Hometown Service

• Quick Turn-Around

• Local Decisions

• Knowledge of Our Local Market

Our Pre-Approvals Make House Hunting Worry Free!

Buying a new home? Refinancing? 
Apply with us anytime, online. Click on...

In Manhattan
Call 785-587-4000, or Email for more information:
Brad Smith: ext. 128 -
Audrey Biel: ext. 129 -

In Junction City
Call 785-762-5050, or Email for more information:
Graham Foust: ext. 210 -
Wendy King-Luttman: ext. 211 -

In Wichita
Call 316-722-6665 or Email for more information:
Lori Cunningham: ext. 238 -

We offer loans secured by the available equity in your home. We can do a 5 year fixed rate loan for up to 90% of the value of your home, less any existing mortgages. Adjustable rate loans are available up to 10 years; different rates apply to other options. Your Home Equity Loan may qualify for interest deductions (see your tax advisor). Minimum loan amount $2,500.00.

In Manhattan
Call 785-587-4000, or Email for more information:
Emil Scherlacker: ext. 125 -
Shawn Hallowell: ext. 126 -

In Junction City
Call 785-762-5050, or Email for more information:
Graham Foust: ext. 210 -
Wendy King-Luttman: ext. 211 -

In Wichita
Call 316-722-6665 or Email for more information:
Lori Cunningham: ext. 238 -

Kansas State Bank makes loans with affordable repayment plans. We will structure the repayment to fit your budget with both fixed and variable rate loans. Our loans are designed to fit your needs. Simply stated...we can handle anything within reason...home improvement loans, pools, patios, roofs, fences, air conditioning, landscaping, a new kitchen, finishing a basement, autos (new and used), boats and trailers, or anything else you have in mind! In addition, you may qualify for an interest deduction! If you so desire, we will work to structure your loan to provide the maximum tax benefits with regard to interest deductions.

In Manhattan
Call 785-587-4000, or Email for more information:
Emil Scherlacker: ext. 125 -
Shawn Hallowell: ext. 126 -

In Junction City
Call 785-762-5050, or Email for more information:
Graham Foust: ext. 210 -
Wendy King-Luttman: ext. 211 -

In Wichita
Call 316-722-6665 or Email for more information:
Lori Cunningham: ext. 238 -

Kansas State Bank offers revolving credit lines using the available equity in your home. This is an adjustable rate mortgage loans that is available for up to 10 years, and you can have the payment automatically taken from your Kansas State Bank checking account. Revolving Credit Lines can be for up to 90% of the available equity in your home.

In Manhattan
Call 785-587-4000, or Email for more information:
Emil Scherlacker: ext. 125 -
Shawn Hallowell: ext. 126 -

In Junction City
Call 785-762-5050, or Email for more information:
Graham Foust: ext. 210 -
Wendy King-Luttman: ext. 211 -

In Wichita
Call 316-722-6665 or Email for more information:
Lori Cunningham: ext. 238 -