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Make Your Next Move with Us

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Buy, Build or Refinance

Our expert mortgage lenders are ready to help you find just the right loan to fit your needs.

Purchase Loans

Whether you are a first-time homebuyer or ready to up-size, we have just the right loan to meet your needs.

Refinance Loans

Refinancing can help you lower your monthly payments, pay off your home sooner or use well-earned equity.

Home Improvement Loans

From simple repairs to remodeling projects, our home improvement loans are a great alternative to high-rate credit cards and may result in potential tax savings.

Home Construction Loans

Ready to build your dream home? Let us help you finance the construction from ground breaking to move in.

We make it Simple. You make it home.

Start the process. Apply now, view your progress, securely upload documents and message your Mortgage Loan Originator as you go with Simple Mortgage from Happy State Bank.

Start Your Mortgage Application

Online Management

Apply online, make updates and add documents to your file.

Safe and Secure Process

Fully encrypted access for you and your title company.

Track Progress

Stay informed as you move through the home loan process.

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Buying a home doesn't have to come with a big down payment.

We think choices are good. That’s why we offer specialized programs to make sure you get the loan that fits your needs!

Land & Construction

Building your dream home doesn’t have to be hard. We can help take care of both your land and construction loans.

Homebuyer Program

Buying a home doesn’t have to come with a big down payment. Our Homebuyer Program offers a no down payment loan option.


Lock in your mortgage and the extra funds needed to update and renovate your home.

First Time Homebuyer Courses

Happy State Bank, a division of Centennial Bank, now offers $500 off closing costs for completing a qualifying First Time Homebuyer Education Course. Learn more about this opportunity and course options!

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Pick the Perfect Option

Picking the right loan type for you can be challenging. Need more information to help you make sure you are in the know? Start here!

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We love our lenders and think you will, too.

Our friendly, experienced mortgage professionals are ready to help.
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