Cornerstone Bank has an experienced staff of professional loan officers who are available to help you whether you need a loan today, or just some information to help you make decisions. Our philosophy is to help people understand the world of finance to the degree necessary for their particular needs. This is why we have investment, accounting and insurance professionals on board and under one roof. We can work together to help achieve your individual goals. You should look to us as an information source and you should feel free to ask questions. We want you to make the right decisions to assure your credit remains strong.

To get started, simply fill out our loan application and bring it in to your nearest office.
Click here to view our loan application.

 

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Consumer Loans are typically for personal needs such as cars, other vehicles or personal expenses.

It is helpful to have the following supporting documentation when applying for a commercial loan:

1. Completed loan application
2. Two years signed tax returns
3. Current pay stubs or verification of income
4. Current financial statement
5. Information about collateral including titles, purchase receipts ...
6. Insurance verification

 

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Real Estate Loans are typically for residential, business and agricultural real estate purchases but may also use real estate as collateral when the loan proceeds are to be used for other purposes. Real estate lending is often more complex due to consumer protection regulations and typically requires specific loan applications, documentation and processes. If you are interested in a real estate loan, it is often best to just come in and talk to our real estate lenders about the particular type of real estate you are interested in. We will guide you through the process.

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Agricultural Loans are typically for cattle, crops, machinery, equipment, Letters of Credit or real estate. FSA guaranty and non-FSA guaranty loans are available. AgLink interest rate assistance loans may be available for qualified borrowers.

It is helpful to bring in the following supporting documentation when you apply for an ag loan:

1. Completed loan application
2. Two years signed tax returns
3. Cash flow projection, current pay stubs or verification of other income if applicable
4. Most recent fiscal year end financial statement
5. Information about collateral
   
   1. Equipment list
   2. Inventory list (cattle and other commodities)
6. Insurance verifications

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IMPORTANT INFORMATION ABOUT PROCEDURES FOR NEW LOANS
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:
When you open an account we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.