Secure Online Banking

Family of five and a dog sitting on their front porch

Mortgage Lending Products & Services

Click Here to Apply for a Loan to fit your Home Lending Needs

Buy, Build or Refinance with Confidence

Our experienced lending team is committed to helping you find the right mortgage to fit your needs — guiding you with ease through the process — all while strengthening our communities one homeowner at a time! From assisting active duty or military veterans to guiding first time home buyers to building your dream home, even refinancing your existing home, we have the mortgage solution for you. We also offer comprehensive tools to help you in your research and submitting your loan application online.1

Let us help guide you every step of the way to the right loan solution

Fixed and Adjustable Rate Mortgages
    • Conventional
    • Jumbo
    • Construction
    • FHA
    • VA
First Time Home Buyer Programs and Assistance
Lot Loans


Click Here to Apply for a Mortgage Loan

Equity Loans
    • Home Equity Lines of Credit
    • Second Mortgage Fixed Rate Equity Loans





Click Here to Apply for a Home Equity Loan


Benefit From

  • Hands On Support from a Team of Professionals
  • Competitive Rates
  • Convenient Local Processing, Underwriting & Closing
  • Pre-Approval Availability1
  • Secure, No-Hassle Application And More

Click Here to Visit the Online Mortgage Center

Rely on Our Online Mortgage Center

stacked pennies with a wooden house on top


Unsure of which way to go? Use our mortgage calculators to help you make the right decision.

wooden houses and a magnifying glass

Rate Watch

Keep an eye on rates on our online mortgage center.

couple looking at laptop

Apply Online

Submit a quick loan application online with approval in as little as 20 minutes.

Depend on Our Lending Team to

  • Listen and understand your financial goals
  • Help identify steps you can take to increase your buying power
  • Provide a dedicated loan officer through the entire process
  • Tailor a loan that meets your needs
  • Deliver unsurpassed service and competitive rates
  • Bring years of experience and knowledge to the process

Visit our online mortgage center to research your options or start your loan application today!

Click Here to Visit the Online Mortgage Center

Meet our Mortgage Lending Team*

Tom Alexander

VP Consumer & Residential Lending

NMLS# 522469

Phone: 219-961-8515 or

Tom Alexander

Roger DeGraff

SVP Consumer &
Residential Lending

NMLS# 106498

Phone: 219-961-8523 or

Roger DeGraff

Jill Gray

AVP Consumer & Residential Lending

NMLS# 1846221

Phone: 708-966-5720 or

Jill Grey

Gregory Johnson

AVP Consumer & Residential Lending

NMLS# 721548

Phone: 773-420-4892 or

Gregory Johnson

Richard Schultz

VP Consumer & Residential Lending

NMLS# 767645

Phone: 815-306-2042 or

Rich Schultz

Ken Schuman

Assistant Vice President

NMLS# 522470

Phone: 630-845-7838 or


Ken Schuman Professional Photo

Important Disclaimer Information:

1All loans are subject to credit and underwriting approval. Offer of credit is subject to credit approval. Certain fees and restrictions may apply or other terms and conditions may apply. Terms and conditions subject to change without notice. Rates are subject to change at anytime.

Rates and terms vary depending on loan amount, occupancy, loan-to-value, property type, lien position, credit score and debt-to-income.

Loans secured by the borrower’s principal dwelling that exceed the value of the dwelling, the interest on the additional loan amount is not tax deductible. Consult your tax advisor for additional tax deductibility information.

Rate discounts may apply with an automatic payment transfer set up from a Providence Bank & Trust checking account. Talk with a mortgage banker for more details.

*Do not send sensitive personal information via email, including account numbers, social security numbers, date of birth or any information that is intended to be kept private.

All trademarks and registered marks are the properties of their respective owners.

Providence Bank & Trust Lender ID#407800.