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Gifford State Bank Website


Retail Lending

NMLS ID: 665276

Through Mortgages, Refinancing, Construction, Personal, and Vehicle loans, The Gifford State Bank has lending solutions that are right for you.

Retail Lenders

Cory Acton

Cory Acton
NMLS ID 756730


Miranda Edenburn

Miranda Wright
NMLS ID 2273484


Sarah Bensyl

Sarah Bensyl
NMLS ID 2560551


Retail Lending Support Staff

Whitney Cleveland

Whitney Cleveland


Sadie Adkins

Sadie Adkins




Just as there is a home to suit every buyer, there is a mortgage to suit every new home. Whether this is your first home or the next of many, The Gifford State Bank can make the financing process easy and affordable for you with our competitive pricing. We are proud to share with you that many of our home mortgage loans are serviced locally at The Gifford State Bank.

  • Purchase
  • Refinance
  • Construction
  • Second Mortgage

Mortgage Application Documents

Prequalifying Documents:

  • Your last two paystubs
  • Two months most recent statements for checking, savings (only accounts at financial institutions other than The Gifford State Bank)
  • If self-employed, previous 3 years business federal tax returns with all schedules
  • Last 2 years of federal tax returns (include all schedules, W-2’s, 1099’s, K-1’s)
  • Recent copy of your Driver's License

Loan Application Documents:

  • Most recent statement for stocks, bonds, 401(k) or other investment account (all pages)
  • If down payment is coming from 401(k), provide terms of withdrawal and repayment terms
  • Award letter & proof of retirement benefits such as Pension, Social Security, Disability, Military, etc.
  • VA loan will need certificate of eligibility or statement from you commanding officer if on active duty
  • Bankruptcy papers and discharge notice, if applicable
  • Copy of Divorce Decree or any other court recorded Child Support agreements
  • Child support amount- payments/income
  • Proof of Gift funds or gift of equity documentation
  • Copy of current Homeowner's Insurance Policy
  • Copy of Real Estate Tax Bill

Personal Loans

Whether you need a short-term loan for an unexpected emergency, are consolidating debt, or want to take a vacation – we can provide the loan that is right for you! The Gifford State Bank provides loan services including secured and unsecured installment loans or single pay notes.


Vehicle Loans

Whether it’s your first car, your dream vehicle, or something more adventurous, we can help you finance your next vehicle purchase. We also offer loan solutions that use your vehicle as loan collateral for other personal wants and needs!