Home Mortgage

Whether you are purchasing your first home, refinancing your existing home loan, or buying a home for the next stage of life, American State Bank will be there to help you move forward with confidence. Our home loan experts are ready to assist you every step of the way, from application to loan signing.  With our wide range of home mortgage options, you have the ability to transform your house into a home.

Loan Programs


First Time Home Buyer

When you are ready to purchase your first home, your neighbors at American State Bank are ready to guide you through the loan process and explain every aspect of first-time home ownership. From principal amounts to interest rates, our loan experts can answer any questions you have.

Dream to Build Program

American State Bank understands that building a home is a long process. We have a program built exclusively for your new home construction, guiding you through these steps:

  1. Pre-qualify for final financing based on the appraisal
  2. Purchasing your lot – through personal savings, equity in your current real estate, or a lot loan
  3. Construction loan to pay for building expenses
  4. Final financing to roll the construction loan to a fixed rate loan

Guaranteed Rural Housing

Achieve your dream of owning a rural home with a Guaranteed Rural Housing loan. This loan gives individuals the assets not only to purchase a home, but the funds to safely and securely repair and rebuild a rural home they will be proud to call their own.    

Loan Types

  • Home Purchase
  • First Time Home Buyers
  • Refinance
  • Cash Out Refinance
  • Construction
  • Bridge Loan

Apply for a Home Mortgage

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Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.  These data are available online at the Consumer Financial Protection Bureau’s website www.consumerfinanace.gov/hmda

Home Equity

The equity in your home can be used  to fund home improvements, pay college expenses, make large personal purchases, or consolidate debt.  We offer a variety of fixed and adjustable rate home equity loans and lines of credit to fit your variety of needs.

Loan Types

  • Home Equity Closed End | Home Equity Open End

Apply for a Home Equity Loan

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Personal Lending

We want to help you reach your goals.  Whether you are renovating your home, buying a new car, or going back to school, we offer personal loan solutions that help you move forward with confidence. View Lender NMLS IDs

Advisor Name – Individual ID

Nathan Scott De Wit 964997
Kathryn Jane Franken 403554
Kristy Kay Frederes 1388905
Teresa Jean Gunderson 1028877
Gregory Verle Hansen 403546
Luke Brian Haan 1213332
Ryan L. Mulder 1732038
Andrew (AJ) Borger 2049208
Brittney Ann Kooistra 1267630
Mark Alan Kreun 403548
Kevin J. Langel 1416544
Joshua Kevin Metzger 1517207
Rachel Dawn Moerman 403544
Koty Lyn Vande Griend 402062
Eric Jon Vande Hoef 403543
Jesse A. Van Donge 1711284
Mark Charles Von Arb 911672
Brandon Seth Woudstra 1378909

Student Loans

If personal savings,  financial aid and other resources are not enough to cover college expenses, American State Bank offers a supplemental private student loan for established bank customers and students of Dordt and Northwestern colleges. The loan is serviced by Aspire Servicing Center in Iowa and features benefits designed to help students and their families today and tomorrow.

  • Terms and other details such as rates and underwriting criteria are provided up front.
  • Benefits include an interest rate reduction option and the ability to release cosigners from their obligations.

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Credit Card Services

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Personal Loans

  • Auto
  • RV
  • Motorcycle
  • ATV
  • Boat
  • Camper
  • Snowmobile
  • Mobile Homes
  • Personal Lines of Credit

Home Mortgage

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Loan Types

  • Student Loans
  • Credit Card Services
  • Personal Loans
  • Overdraft Protection
  • Home Mortgage

Apply for a Consumer Loan

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Commercial Lending

Our commercial lending services find solutions specialized for your needs, so you can feel confident that our financial assistance will set you on the path for success.

Loan Programs

Small Business Administration

The U.S. Small Business Administration (SBA) is an independent agency of the federal government that works to counsel, assist, and protect the interests of small businesses. The SBA Loan Program offers a variety of loan options to best suit your small business’s needs.

Loan Types

  • Real Estate
  • Equipment
  • Expansion / Acquisition
  • Working Capital

Get Started With Commercial Lending

Contact Us Today

Agricultural Lending

Our lenders are equipped with real-world experience and specialize in all types of livestock.  As the second largest agricultural bank in Iowa, we understand the business of agriculture and are ready to assist you with the necessary loans to grow your farm, from new production technologies to purchasing the land to take your production to the next level.

Loan Programs

Farm Service Agency

The Farm Service Agency is a part of the U.S. Department of Agriculture and serves all farmers, ranchers, and agricultural partners. These loans offer financial solutions for establishing, improving, and expanding your farm or ranch.

Beginning Farmer

A loan program offered through the FSA for a specified “beginner farmer.”

Iowa Ag Development Authority

Iowa Ag Development Authority, now known as the Iowa Ag Development Division (IADD), geared towards beginning farmers.

Small Business Administration

The U.S. Small Business Administration’s loan program developed to help small business owners.

Loan Types

  • Real Estate Loans
  • Facility Loans
  • Crop Loans
  • Equipment
  • Livestock
  • Working Capital

Get Started With Agricultural Lending

Contact Us Today