Consumer Credit Application
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** INCOMPLETE APPLICATION **

This application has not been submitted.
Fields in BOLD text are required.
Application Taken Date:
General Information
Thank you for your interest in our online loan application.

Please complete as many of the fields on the application as possible. The field names that are in BOLD letters are required to be completed before your application can be submitted. All information submitted through this site is done in a secured manner; ensuring your privacy.

Once you have completed all of the fields, you may click on the Validate Application button at the bottom of the application. This will highlight in RED any required fields that are not completed or that contain incorrect formatting (such as dates). You can correct those fields and select the Validate Application button again to verify that everything is correct.

What to expect from the process
When all information has been entered and is validated, please click on the Submit button. Your application will not be sent to the bank without completing this step. Applications cannot be saved for completion at a later time; they must be submitted during the same session that they are started in or all information will be lost.

You may print a copy of your application by selecting the Print button at the bottom of the application. A warning will print on the application that the submission process is not complete. You will still need to click on the Submit button to transmit the application to us.

Once you submit the application, a confirmation e-mail will be sent to you confirming our receipt. A lender will contact you within 24 hours to explain the process, answer any of your questions and to discuss rate options with you. We will communicate with you using the preferred communication method that you chose during the application process.

Once approved, you will be required to sign all loan documents in one of our banking centers. In order to protect you and your credit rating, you will also be required to show proof of your identity at the loan closing.

Options
As you navigate through the application, you will be asked to provide information that is relevant to the type of loan you are requesting. When you select an account type, a short description of the typical loan will appear below the drop down box. The ranges for loan amounts and terms will appear under the fields and are specific to the type of loan you have selected. We have provided drop down boxes with the valid choices for as many of the fields as we can. If your request does not match the drop down choices exactly, select the most appropriate choice and discuss it with the lender when you are contacted.


Note: Based on your application data, you may be contacted to provide additional documentation.

Credit Request
Product Information
Primary Applicant Information
Personal Information
(mm/dd/yyyy)
(xxx-xx-xxxx)
(xxx)xxx-xxxx
(xxx)xxx-xxxx
(yrs)             (mths)
(xxx)xxx-xxxx
Warning: You are not required to answer the marital status question if you are applying for individual, unsecured credit unless you reside in a community property state or are relying on property located in such a state as a basis for repayment.
Employment Information
(yrs)             (mths)
Other Income Information
Alimony, child support or separate maintenance need not be revealed unless you wish to have it considered as a basis for repaying this obligation.
Co-Applicant Information
Personal Information
(mm/dd/yyyy)
(xxx-xx-xxxx)
(xxx)xxx-xxxx
(xxx)xxx-xxxx
(yrs)             (mths)
Employment Information
(yrs)             (mths)
Other Income Information
Alimony, child support or separate maintenance need not be revealed unless you wish to have it considered as a basis for repaying this obligation.
Secondary Applicant Information
Personal Information
(mm/dd/yyyy)
(xxx-xx-xxxx)
(xxx)xxx-xxxx
(xxx)xxx-xxxx
(yrs)             (mths)
(xxx)xxx-xxxx
Warning: You are not required to answer the marital status question if you are applying for individual, unsecured credit unless you reside in a community property state or are relying on property located in such a state as a basis for repayment.
Employment Information
(yrs)             (mths)
Other Income Information
Alimony, child support or separate maintenance need not be revealed unless you wish to have it considered as a basis for repaying this obligation.
Secondary Co-Applicant Information
Personal Information
(mm/dd/yyyy)
(xxx-xx-xxxx)
(xxx)xxx-xxxx
(xxx)xxx-xxxx
(yrs)             (mths)
Employment Information
(yrs)             (mths)
Other Income Information
Alimony, child support or separate maintenance need not be revealed unless you wish to have it considered as a basis for repaying this obligation.
Voluntary Government Monitoring Information
APPLICABLE ONLY TO HOME IMPROVEMENT/PURCHASE TRANSACTIONS AND DWELLING REFINANCES
(Not applicable to HELOCS)
The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may discriminate neither on the basis of this information, nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation or surnames. If you do not wish to furnish the information, please choose the selection below.
Applicant
Additional Information
Disclosures
Disclosure Acknowledgement. If I/We applied for an equity line, I acknowledge that I have received the Home Equity Consumer handbook and early disclosure information. Everything that I stated in this application is correct to the best of my knowledge. I understand that you will retain this application whether or not it is approved. You are authorized to check my credit history,employment history, prior banking activity and/or other information deemed necessary to confirm my identity and evaluate my account status in compliance with all related laws and regulations as well as answer questions about your experience with me.

Right to Receive Copy of Appraisal. I/We have the right to a copy of the appraisal report used in conjunction with this application for credit. To obtain a copy, I/We must send Lender a written request at the mailing address Lender has provided. Lender must hear from me/us no later than 90 days after Lender notifies me/us about the action taken on this application or I/We withdraw this application.

Credit Insurance Disclosure. Please be advised that the approval of your application for credit is not conditioned on the purchase of any insurance product or annuity from our financial institution or any of its affiliates nor is it conditioned by your agreement not to purchase an insurance product from an unaffiliated entity. You are free to purchase insurance products and annuities from another source. Please be advised if you purchase any insurance product or annuity from The State Bank And Trust Company ("SBT") or any of its affiliates that it is not a deposit or other obligation of, or guaranteed by, "SBT" or an affiliate of "SBT". The insurance product or annuity is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency of the United States, "SBT", or (if applicable) an affiliate of "SBT". The insurance product or annuity may involve an investment risk associated with the product, including the possible loss of value.

Application Acknowledgement. By signing below, I (we) acknowledge receipt of, and basic understanding of, all applicable disclosures provided within this application. I (we) also acknowledge receipt of the insurance disclosure orally and in writing.
Individual Joint Credit Statement
  • I am applying for Individual credit in my own name and relying on my own income and assets and not the income or assets of another person as the basis for the repayment of the credit requested.
  • I am applying for individual credit but am relying on income from alimony, child support or separate maintenance or on the income or assets of another person as basis of repayment of the credit requested.
  • I am applying for joint credit with another person.
Signatures
Whoever knowingly makes any false statement or report, or willfully overvalues any land, property or security, for the purpose of influencing in any way the action of any bank the deposits of which are insured by the Federal Deposit Insurance Corporation, upon any application, advance, or extension of any of the same, by renewal, deferment of action or otherwise, or the acceptance, release, or substitution of security therefore, shall be fined not more than $5,000 or imprisoned not more than two years or both.

Signed by:
Applicant Name: ________________________ Date of Application: ________________________
Applicant Name: ________________________ Date of Application: ________________________
Applicant Name: ________________________ Date of Application: ________________________
Applicant Name: ________________________ Date of Application: ________________________