Shelby County State Bank, it's easy to finance your new home. For over 125 years, we've set the standard for outstanding customer service. Whether you are looking to buy or build a home, Shelby County State Bank has the financing to meet your needs.

Take advantage of low interest rates by refinancing your existing mortgage loan. Refinancing can significantly lower your mortgage payment and free up your monthly cash flow to make your money stretch farther. Or, refinancing can reduce the number of years to payoff your loan – building up the equity in your home even faster.

Purchasing a home is one of the most important financial decisions in your lifetime. Let us help you make an informed decision. These frequently asked questions can be a great resource to educate yourself about your home financing options. Our Mortgage Loan Officers are also happy to answer any questions you may have.

Loan Officers

Paige Cairney

office: 712-755-7671
fax: 712-755-7654
2010 23rd St., Harlan, IA 51537
pcairney@scsbnet.com
NMLS ID 1414082

Michael Christensen

office: 712-489-2424
fax: 712-489-2201
102 Main St., Panama, IA 51562
michaelchristensen@scsbnet.com
NMLS ID 1373829

Randy Coenen

office: 712-755-5112
fax: 712-755-2869
508 Court St., Harlan, IA 51537
rcoenen@scsbnet.com
NMLS ID 631103

Mathew Freund

office: 712-755-5112
fax: 712-755-2869
508 Court St., Harlan, IA 51537
mfreund@scsbnet.com
NMLS ID 631105

Travis Lane

office: 712-544-2626
fax: 712-544-2030
425 East St., Shelby, IA 51570
tlane@scsbnet.com
NMLS ID 631108

Kathryn Mahlberg

office: 712-755-5112
fax: 712-755-2869
508 Court St., Harlan, IA 51537
kathymahlberg@scsbnet.com
NMLS ID 631109

Charles Merrill

office: 712-764-5067
fax: 712-764-5068
4039 Main St., Elk Horn, IA 51531
cmerrill@scsbnet.com
NMLS ID 1023320

James Zimmerman

office: 712-755-5112
fax: 712-755-2869
508 Court St., Harlan, IA 51537
jzimmerman@scsbnet.com
NMLS ID 631114


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1 Rate as of DATE CURRENTLY UNAVAILABLE. Approval and terms subject to credit qualifications, loan amount and property value. Rates will vary by term. Some limitations apply. See a Shelby County State Bank Mortgage Loan Officer for details.