First Central State Bank, Gateway State Bank, Maquoketa State Bank, and Ohnward Bank & Trust are joined together under the holding company of Ohnward Bancshares Inc. We strive to make your home loan process an easy and stress-free process for you.

Through this site, we are able to accept online applications for mortgage loans in Iowa and Illinois. Easy, convenient, on-line shopping for the best loan programs along with guidance through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

To Apply: Click on the Full or Short Application in the left column. The full application will gather all the information needed for a pre-approval. The short application will help get the process started, but will require a meeting to gather more information. You may choose either option based upon your preference. Once in the application, you will be able to select which of the four banks, and even which loan officer, you would like your application sent to.