Whether you want to buy or build a new home, refinance your existing mortgage, or access your home’s equity for low-cost funds, you’ve come to the right place. We offer a variety of options, including fixed-rate, adjustable-rate, and jumbo mortgages with terrific rates, flexible repayment terms, and fast, friendly service. We also have special programs for first-time homebuyers, including down payment assistance. Our knowledgeable Mortgage Specialists will help you find the best home loan for your circumstances and budget.
Great Low Rates
(for secondary market loans only)
No Application Fee
Take advantage of historically low interest rates and refinance your existing mortgage. You’ll benefit from lower monthly payments and save significantly on interest over the life of your loan.
Use our free mortgage calculator to estimate your new monthly payment.
Great Low Rates
(for secondary market loans only)
No Application Fee
Our versatile construction loans are a convenient option that let you borrow what you need and make interest-only payments during the construction period. Once your home is complete, you can convert the loan into a traditional mortgage.
Competitive Terms to
Complete Your Home
No Title Insurance
Required for Loans Less
It’s easy to secure a revolving line of credit for one-time projects or ongoing needs using your home’s equity for low-cost financing. Withdraw what you need when you need it—your funds will remain available to you anytime without you having to reapply. You can use your HELOC for:
Excited to build the home of your dreams? Get peace of mind with a permanent loan from the start. Our Construction-to-Permanent Mortgage Loan has one closing to save you time and money. It makes financing simple, quick, and efficient, so you can focus on your home during the construction phase and beyond.
See what’s possible when we say YES.
“My story goes back to the time when Wilson Bank was formed. I was a customer of another bank and my loan officer, Elmer Richerson, asked if I would consider going with him to his new position with Wilson Bank & Trust. I said that I would, provided that they kept the small bank feeling that I was accustomed to. Well, I am still here and have no plans to leave. Congratulations, Wilson Bank & Trust, for 30 great years.”
– Carter Blankenship, Jr.
“Wilson Bank made the construction loan process simple and effortless. Everyone is very friendly and professional. Our forever home is finished and the services Carolyn Parker provided were top notch. We highly recommend Wilson Bank!”
– Milissa & A.J. Fitzpatrick
“Dear Trey Geisenhoffer, I would like to thank you for the relationship and help you provided to me and my family in procuring construction loans for our houses. Before my family and I took on the task of trying to build a house for my wife and I and one for my daughter and her husband I had absolutely no clue how to go about getting a construction loan. You were recommended by Charlie Livesay and that turned out to be an exultant choice. I don’t want to go into detail but your guidance from initial paperwork and then thru all construction draws and coordination was impeccable. Wilson Bank had market rate interest rates and performed very well. If I decide to build another house you will be the one I come to for a construction loan. Thank you Trey and Wilson Bank.”
– Danny Connor – Happy Home Owner
“We have always heard that the homebuilding process can be stressful, but every interaction with Wilson Bank & Trust made this experience so smooth and enjoyable. Each person we worked with had the perfect balance of professionalism in a friendly, relaxed atmosphere. We cannot recommend them highly enough.”
– Mat & Michelle Bouse
“We went to Wilson Bank for a construction loan for our new home and are extremely fortunate to have DeJeay Woods as our loan manager. Building a home is a first for us and Mr. Woods put us right at ease with the construction loan process. He explained everything well and answered all of our questions. He made the loan process simple, straightforward and efficient. Our loan was processed and approved in less than a week. We couldn’t be more happy with Mr. Woods management of our loan following its approval. He is quick to respond to questions and needs. Funds are transferred promptly to cover our building expenses. We can’t say enough good things about Mr. Woods. Not only is he knowledgeable and customer focused, he is a genuinely nice person who cares about his clients. We’ve really enjoyed working with him.”
– Andrew & Elizabeth Tindley
“Our experience with a construction loan through Wilson Bank and Trust has been exceptional. From setup to closing, Tim Tipps was a pleasure to work with. In fact, the genuine care and support of their friendly staff prompted us to move all our accounts to Wilson Bank, which we're now using for all our financial needs.”
– Frank & June Knobbe
““There are many decisions to be made when building a custom home, but Janice and Wilson Bank and Trust made the construction loan process as easy as possible. She explained the construction loan process to us in detail at project inception and we went into the building process knowledgeable and comfortable with what to expect. It was a great experience and we wouldn’t hesitant to use them again or give them a positive referral to friends in family. In fact, my parents built a new house not long after us and also went through the Wilson Bank and Trust team for their construction loan at our referral!” –Thanks”
– Kristen Rice
“We had a great experience with Jessica and her team. After shopping around they had one of the best products out there for our home loan. Jessica was very thorough and informative. What I appreciate the most about Jessica was she was not pushy but was quick to respond. It was not uncommon to get a response within minutes. This was our first time for a construction loan and it was a very smooth process.”
– The Frost Family
“I have always heard great things about Wilson Bank & Trust and how friendly they are to work with when it comes to construction loans. I felt supported every step of the building process and I never felt like I had to jump through hoops to get additional money when needed to pay hired contractors. Not only where they great cheerleaders but they have now become true friends. There is no other banker I trust more than Charlie Brumit and team.”
– Greg Lucid
“I am a long time customer with Wilson Bank & Trust and would like to give a huge thank you to Laura Piper, VP Loan Officer, at the Smith County location of Wilson Bank & Trust. She has been exceptional to work with and the process of getting our construction loan underway for our “Dream Home” has been seamless. Her knowledge of the banking industry is exceptional and having that home town connection is invaluable when undertaking a project this large.”
– Tammie Key