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    Home Loans

    Apply here in just 15 minutes! 

    Home loan rates are at historic lows - making this the perfect time to house hunt or refinance your existing mortgage. Let's get started!

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    Building Projects?
    We have a loan for that!

    Apply for a construction loan in just 15 minutes and get started!

    Apply Online Now

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    Free Online Bill Pay

    No time to buy envelopes and drive to the post office?
    No problem!

    With PCB's free Online Bill Pay, we make it easy to pay your bills online. Log into your Internet Banking and select the Bill Pay tab to get started.

  • PCB's VA Loans with 100% Financing

    Qualified active duty and veterans of the U.S. Military or National Guard can purchase a home with a VA loan at PCB without a down payment. Restrictions apply. Visit with our lending team to learn more.

    Apply Now

  • PCB has home improvement loans for your next project.

    Home Improvements Start Here...

    You can use the equity in your home to pay for projects around the house and much more! Ask us about our Home Equity Loans and our Home Equity Lines of Credit. 

    Apply Now

Loans for a 2nd Home
"Nearly 30 years ago, a young couple moved to Rolla and Phelps County Bank took a chance on us. PCB is still with us now as we purchased our lake house for retirement. Dena Hope made the process easy."
- The Whitefield Family

Apply for a Loan Online
PCB Loan Officer Dena Hope - NMLS # 412141

Home Improvement Loans
"When we decided to make improvements to our new place, Kenny Barnes and the whole Phelps County Bank loan team were great to work with from start to finish. We are now enjoying the warm weather on our new patio."
-The Froehlich Family
PCB Loan Officer Kenny Barnes - NMLS #699992
Loans for 1st Time Buyers
"Angie Proffitt made the loan application and loan process so easy! It was great knowing we had someone to walk us through anything we needed. It made buying our first home as easy as possible!"
- The Stuck Family
PCB Loan Officer Angie Proffitt - NMLS # 1384049
Home Loans for Veterans
"We immediately reached out to Wendy Young and Phelps County Bank when we decided to purchase a new home. Wendy made the VA Loan process easy and smooth for us. We appreciate the professionalism, helpfulness and expertise that Phelps County Bank offers!" 
- The Kearse Family
PCB Loan Officer Wendy Young - NMLS # 411235