Serving the West Salem, Ashland, Marshallville and Rittman Communities of North Central Ohio MENU
Personal Banking


Free Pre-Approval

Farmers State Bank offers free pre-approvals for mortgage loans. The pre-approval process will let you know how much you can afford to spend on a new house and enable us to recommend the right type of home loan for your credit needs.


Farmers State Bank offers mortgage financing for primary residence, second homes, vacation homes, or investment properties. We also offer equity loans to match your needs including variable and fixed rates, revolving or fixed terms.

We have competitively low rates for home purchase, refinance, or construction of your home including conventional, modular, and manufactured housing.

Still want to have personal assistance?

Our experienced Loan Officers will help you make sense of the mortgage process and will work with you to answer your questions and address your concerns throughout the process. Our Loan Officers are only a call or email away!

Need Help?


Today's Rates

Conventional - Purchase or Refinance
30 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.814%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.586%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.322%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 4.000%  4.103%  0.000%
Home Equity Loan
Home Equity Line Of Credit - P+0%
 Rate  APR  Points
 5.250%  5.250%  0.000%
Home Equity Line Of Credit - P+1.5%
 Rate  APR  Points
 6.750%  6.750%  0.000%
Home Equity Line Of Credit - P+2%
 Rate  APR  Points
 7.250%  7.250%  0.000%

Personalized Quote