Explore MBT Lending Solutions

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Mortgage & Refinance

Mortgage and Refinance Icon
Whether you need help assessing if home equity or cash out refi is best for you, or just want to talk to a real person, our mortgage experts are here for you.

Home Equity Loans

lending Equity Icon
From home improvement and debt consolidation, to weddings and other special needs, MBT home equity loan experts are here to help.

Personal Loans

Personal Loans Icon
RVs, Cars, Vacant lots or land, MBT personal loan experts are standing by to help you fund your next adventure. You imagine the possibilities, we'll help you get there.

Business Loans

Business Loans Icon
We're proud to support your business. Talk to an MBT Lender about financing to help you keep growing.
Not Sure Where to Begin?
Whether you need help assessing if lending equity or cash out refi is better, or just want to talk to a real person, our mortgage experts are standing by.

Today's Rates for Popular Programs

Mortgage & Refinance

Fixed Rate Mortgage
Term Rate APR Points
15 Year Fixed 4.375% 4.628% 0.000%
30 Year Fixed 4.625% 4.772% 0.000%
Adjustable Rate Mortgage - 5/1 ARM (Caps 2/5)
Type Rate APR Points
5/1 ARM (Caps 2/5) 4.375% 4.749% 0.000%

Home Equity Loans & Lines of Credit

Home Equity Loan (Owner Occupied)
Type Loan To Value Term Best Rate APR
6/1 ARM Home Equity 80% LTV Up to 240 Month Note 5.25% 5.484%
10/1 ARM Home Equity 80% LTV Up to 240 Month Note 6.00% 6.059%
Note: Higher loan to value options are available.
Contact a lender for further details.
Home Equity Line of Credit (HELOC)
Type Best Rate APR Points
85% LTV Prime Rate + 0% 4.75% 0.000%

Contruction Loans

Please contact us for terms and rates.

Not finding what you’re looking for? Go to our personal lending page to see our various loan offerings.

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This form is a request for information, and is not a loan application or a guarantee of loan approval. Click on the links on this page for important loan disclosures and rates. Your submission of this form constitutes permission for an MBT Loan Officer to contact you pursuant to this request for information.

MBT Learning Center

Getting Your Loan Approved

MBT believes you improve your chances of getting a loan by learning what we look for. Check out our lending process and the steps you will go through to get approved.

The 5 C's of Credit

When you apply for a personal loan with Monroe Bank & Trust, we look at a number of factors, including criteria termed the 5 C’s of Credit: Character, Capital, Capacity, Conditions and Collateral.

The Mortgage Process

Monroe Bank & Trust has outlined the 6 steps you’ll take when getting a mortgage, and our experts can help you have a stress-free mortgage experience.

Credit Reports & Scores: Online Learning Lab

Whether you're new to learning about credit, getting ready to apply for a loan, or just taking a look at your own situation, MBT can help you learn more about Credit.
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