This is a powerful tool that allows you to complete a loan application when it is convenient for you and from the comfort of your home if you prefer.
Please be assured that your personal information is kept secure and will only be used for the purpose of requesting a HELOC loan.
Click on the 'Start Mortgage Application' button to get started. Create an account then complete the required information. Once your application is submitted, a Mortgage Lender will be in touch with you shortly. If you have any questions along the way, please contact a Mortgage Lender.
If you prefer to complete an application in person, we're happy to do so! Please contact a Mortgage Lender to schedule an appointment.
NOTICE OF RIGHTS TO RECEIVE COPY OF APPRAISAL REPORT (REGULATION B-ECOA VALUATION RULE & TILA HPML)
Under the Federal Equal Credit Opportunity Act, if the credit being applied for will be secured by a 1-4 family dwelling, we may order an appraisal to determine the property's value and charge you for this appraisal. We will promptly give you a copy of any appraisal even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost.
NOTICE: We may report information about you to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
I like the hometown feel and great customer service. I love the employees and they have went to great lengths to help me with things. Once I left my phone there and customer service called all my kids. Who does that? I love that they care that much.
Jean
FNC Bank has been our bank for over 40 years! Never had any issues. Great service!
Richard
(Commercial Lender) was amazing to work with. My husband and I had a business idea and were not sure if the financing would work out. I'm so glad we called him. He was easy to work with, very responsive, and clearly knowledgeable in his field. Highly recommend.
Mindy
I absolutely love this bank!! They are very personable and I have NEVER had an issue with anything!! I love the ability to work with a small bank that is NOT forced to follow the "Rules" of a corporate company!!
Cory
Did a great job with refinancing our mortgage, very helpful. Meet all of our regular banking needs with accuracy and a personal touch.
Christine
We have been customers of FNCB for over 40 years and have been satisfied customers the whole way!
Doreen
So far this year we have opened up savings accounts for our children and navigated a stolen debit card number/fraud. Customer service reps in both situations were wonderful.
Jamie
Keep doing a great job in helping customers with fraudulent charges. Top notch support. Some of my friends have had these issues with fraud and they received ZERO support from their bank. (that was not FNCB)! Thank you!
Kate
Small town service with a smile, big city offerings!
Patty
Banked here for 15+ years. The staff are always helpful and knowledgeable, I recommend this bank to everyone I can!
Auir
The best bank I have ever used. Everyone is has been so kind and helpful!
Lisa
I appreciate that FNCB keeps up with all the current technology.
Kathryn
Always treated as family with every interaction!
Byron
Really great bank, down to earth and personal. Does not have the corporate feeling vibe, long holds on the phone etc. High quality experience for sure. If buying a home, (FNC Bank) is truly fantastic.
Shawn
(Mortgage lender) was fantastic at FNC Bank! He helped my family get a loan for our new home. We got a construction loan for a shouse/barndominium. I’ve always heard it can be a difficult process with a bank to get a loan for this type of home and he made it easy. He’s always helpful with any question I have and will give you a great experience.
Tiffany
Friendly and capable employees who go beyond the ordinary. I was very impressed with the loan officer who helped with the car loan I received even though the dealer was being ridiculous. It took people in the Hudson and New Richmond offices to get it done, but it was completed in one day.
Deborah
I have been with FNC bank for over 20 years and even though I have moved, I like the small town bank so I continue my accounts there.
Christyl
Have been extremely happy for the past 32 years as a customer.
James
This is the best bank ever! I love you guys for all you've done for me over the years!
Jennifer
We have banked at FNC bank for over 20 years. We can not say enough about how helpful the personnel has been whenever we have needed help doing or understanding something.
