Apply for The Neighborhood Impact Program (NIP), a grant to assist qualified homeowners with deferred maintenance repairs. Questions? Call a Local DSB Lender at 219-987-4141. CLICK HERE

Apply for the Accessibility Modification Program (AMP) a grant to assist qualified homeowners make their home more accessible. Questions? Call a Local DSB Lender at 219-987-4141. CLICK HERE

Meet the lenders

Kent Bierma

President
Demotte Main Location
NMLS# 441774

Kent Bierma has been with DeMotte State Bank for 30 years and is currently President of the DeMotte Main Location. He specializes in Commercial Lending and Business Development. He is a Kankakee Valley High School graduate, after which he furthered his education at Calvin College and Purdue University in pursuit of a Mechanical Engineering degree. He has also completed the Indiana Bankers Association’s Commercial Lending School and continued his banking education with the Barrett’s Graduate School of Banking. Kent is a lifelong resident of DeMotte and enjoys working to see his community thrive. In addition to his responsibilities at the bank, Kent has volunteered as a Board member for NORWEJ, DeMotte Chamber of Commerce and Knights of Columbus, and serves in various roles at DeMotte Christian Schools, 1st Christian Reformed Church and the DMC Foundation. He also serves as the Team Leader for the DeMotte Work Team’s international work/mission projects. Kent has knowledge and experience in many areas of lending.

Richard Brewer

Vice President
Hebron Banking Center Manager
NMLS# 1446903

Richard Brewer has served at DeMotte State Bank since 2011. Richard is a graduate of Indiana University with a Bachelor’s Degree in Mathematics and Actuarial Science. Throughout his career with DSB he has held various positions. In 2020, he was promoted to Vice President and the Hebron and Kouts Banking Center Manager. In his free time, Richard enjoys serving as the President of the Hebron Chamber of Commerce. In lending, Richard’s focus is to provide outstanding service and product knowledge to fit the needs of both individuals and small business owners. Additionally, he is the head underwriter for the banks’ SBA loans.

Karine DeKock

Vice President
Consumer Loan Officer
NMLS# 441776

Karine DeKock has been a loan officer with DeMotte State Bank since 2004. She graduated from Indiana University with a Bachelor’s Degree in Business Administration and a minor in Marketing and Finance. Since 2007, Karine has enjoyed volunteering with Junior Achievement, working to positively impact young people in her community through programs on financial literacy, work readiness and entrepreneurship. Additionally, Karine has volunteered as a Little League Assistant Coach for many seasons over the past several years. Throughout Karine’s lending career, her focus and expertise are consumer lending, personal, auto, equity, mortgages and construction loans.

Anne-Cecile Egan

Vice President
Rensselaer Banking Center Manager
NMLS# 441777

Anne-Cecile Egan has served at DeMotte State Bank since 2006. Anne graduated from St. Joseph’s College (attended Marquette and IU). Anne is currently the Vice President and Rensselaer Banking Center Manager. In her free time, Anne volunteers with many organizations including Rensselaer Rotary, Saint Augustine Catholic Church, Rensselaer Chamber of Commerce amongst a few others. In her lending career, she has gained expertise in the many areas of consumer banking and she will ensure that you get quality service in your personal or business lending.

Anne-Cecile Egan has served at DeMotte State Bank since 2006. Anne graduated from St. Joseph’s College (attended Marquette and IU). Anne is currently the Vice President and Rensselaer Banking Center Manager. In her free time, Anne volunteers with many organizations including; Rensselaer Rotary, Saint Augustine Catholic Church, Rensselaer Chamber of Commerce, amongst a few others. In her lending career, she has gained expertise in the many areas of consumer banking and she will ensure that you get quality service in your personal or business lending.

Bonnie Oxley

Vice President
Lowell Banking Center Manager
NMLS# 441779

Bonnie Oxley has served at DeMotte State Bank since 1991. Bonnie is a graduate of Griffith High School and has completed numerous AIB Banking Courses since 1987. Over the years with DSB, Bonnie has been a valued employee who has worked in various positions. She is currently the Vice President and Lowell Banking Center Manager. In her free time, Bonnie enjoys volunteering as the Treasurer of the North Newton Chamber of Commerce. In her lending career, Bonnie has gained a significant amount of knowledge and experience with our many loan products.

Jennifer Hammons

Senior Vice President
Mortgage Loan Officer
NMLS# 441780

Highly experienced, Jennifer Hammons has been with DeMotte State Bank since 2002. Jennifer has a bachelor’s degree from Purdue University; additionally she has completed multiple real estate lending training programs to remain relevant in today’s changing market. Currently Jennifer is serving as a mortgage professional with expertise in all areas of real estate lending with an emphasis in construction. Her record of success has earned her current position at DeMotte State Bank as Senior Vice President Mortgage Loan Office. In her free time, she volunteers in numerous community organizations and enjoys spending time with family and friends. Jennifer specializes in helping customers achieve their dreams, whether it be a loan to buy or build a house, using equity for home improvements, buying a second home or investment property, or simply purchasing land.

Josh Holloway

Vice President/ Branch Manager
Morocco Location
NMLS# 1459473

Josh Holloway has served at DeMotte State Bank since 2010. Josh is a graduate of Ivy Tech University with an Associate Degree in Accounting. Throughout his career with DeMotte State Bank, he has held various positions offering a wide range of knowledge and experience. In 2021, he was promoted to Vice President and moved to our Morocco Banking Center as Branch Manager. In his free time, Josh enjoys serving as a member of the North Newton Chamber of Commerce and is the Treasurer of the North Newton County Parks Board. Josh’s focus is to provide exceptional lending service and knowledge to each customer. Additionally, Josh is the valued lead underwriter for DSB’s agriculture loans.

Kyle Jeffries

Assistant Vice President
Commercial Loan Officer
NMLS# 1944572

Kyle Jeffries has been working with DeMotte State Bank since 2017. Kyle is a graduate of Lowell High School, and continued his education at Butler University, graduating with a Bachelor’s Degree in Management Information Systems and International Business. Since beginning with DeMotte State Bank in 2017 at our Cedar Lake location, Kyle has worked as a Teller, New Accounts Representative, Credit Analyst and has assisted in other departments as needed. In his short time with DSB, Kyle has worked hard to gain knowledge and experience in many different facets of the banking industry. Kyle was promoted to a DeMotte State Bank Loan Officer in the beginning of 2020. In 2022, Kyle was promoted to Commercial Loan Officer and currently works in the Lowell Branch. In his free time, Kyle has served as a volunteer firefighter and has also devoted time with numerous volunteer groups in the Lake County area.

Chris Kelleher

Senior Vice President
Commercial Loan Officer
NMLS# 441782

Chris Kelleher has served with DeMotte State Bank since 1999. Chris has a bachelor’s degree from the University of St. Francis in Business Administration with continuing education from Indiana Bankers Association in Advanced Commercial Lending. Throughout his career, Chris has served in different areas and he began in 1999 with DeMotte State Bank as the Cedar Lake Banking Center Manager. Currently, Chris is serving as the Senior Vice President and Commercial Loan Officer in the DeMotte office. Chris has volunteered his time with numerous community volunteer organizations including the Cedar Lake Chamber of Commerce, Boys and Girls Club, Lions Club, and DeMotte Kankakee Valley Rotary Club. His primary focus is in commercial lending ranging from small business start-ups to large commercial $5+ million lending relationships, inclusive of traditional and/or SBA funding.

Carla Musial

Vice President
Knox Banking Center Manager
NMLS# 441783

Carla Musial has been in the banking industry since 1977 and has been with DeMotte State Bank since 1997. Carla has completed many classes hosted by the Commercial School of Banking and American Institute of Banking. With over 40 years of experience, Carla has served in many different customer service roles. Currently, she is the Vice President and Knox Banking Center Manager. In addition to her responsibilities at DeMotte State Bank, Carla volunteers her time as Treasurer of multiple non-profits; Starke County Economic Development Foundation, Starke County Initiative for Lifelong Learning, and the New Hope Baptist Church. As Branch Manager, Carla ensures that all her customers at the Knox branch are valued and holds quality customer service in high regard. As a loan officer, Carla is well-versed in a large array of loan products.

Rachel N. Kiszenia

Vice President
Mortgage Loan Officer
NMLS# 1578682

Rachel Kiszenia has been with DeMotte State Bank since 2016. She graduated from Purdue University Calumet with a Bachelor’s Degree in Business Management. Rachel initially began as a part-time loan processor and credit analyst then quickly became a management trainee. In 2021, she was promoted to Vice President and Mortgage Loan Officer at our Lowell location. Prior to joining DSB, Rachel worked as a sales analyst for seventeen years at a large corporation. As a mother of three, she spends most of her free time involved in her children’s activities. As a loan officer, Rachel is committed to providing exceptional customer service and product knowledge to fit the needs of each individual borrower.

Steve Myers

Senior Vice President
Consumer Loan Officer
NMLS# 441784

Steve Myers has been a loan officer with DeMotte State Bank since 2000. Steve graduated from Rensselaer Central High School and continued his education at Ball State University, graduating with a Bachelor of Science degree in Institutional Finance. As a member of the Knights of Columbus since 2000, Steve has held several officer positions over the years. He is also involved in the St. Augustine Church, serving on the Annual Bazaar Committee. Steve has also enjoyed time over the years as a Little League Coach and Junior Achievement mentor. Steve has been invested in DeMotte State Bank and has held different lending positions, and in 2017 he was promoted to Senior Vice President. Throughout Steve’s career, he has always focused on community banking and is an expert in the lending areas of consumer, auto, home equity, small commercial loans and mortgages.

Jeff Sawaska

Vice President
Cedar Lake Banking Center Manager
NMLS# 441787

Jeff Sawaska has been with DeMotte State Bank since 2002. Jeff graduated with a Bachelor of Science in Finance from Purdue University Calumet in 1993. Initially, Jeff held various roles with the bank, but progressed to Vice President and Loan Officer at DeMotte State Bank’s Lowell office. He has now served at the Cedar Lake Banking Center since 2013 as their Vice President and Loan Officer. In his free time, Jeff enjoys volunteering with the Hanover Junior Wildcats Organization, where he was a founding Board member and former treasurer. He also has served as treasurer for the Cedar Lake Lions Club since 2002. Throughout Jeff’s lending career, he has specialized in mortgage and construction loans. However, he is knowledgeable in a wide array of other loan products through his experience as a branch lender.

Morris Wiseman

Executive Vice President
Loan Administrator & Ag Loan Officer
NMLS# 441788

Morris Wiseman has served at DeMotte State Bank since 1987. Morris is a graduate of Purdue University. Since his career began, Morris has held multiple positions with DSB. He currently serves as the Executive Vice President, Loan Administrator & Ag Loan Officer for DSB. Morris enjoys investing in his community in various ways, some being volunteering his time with the North Newton School Building Corporation and the First United Methodist Church. Morris is one of DSB’s most experienced lenders; he is well-versed in all our loan products, investment property or simply purchasing land.

Luke Dexter

Loan Officer
Demotte Location
NMLS# 2092019

Luke Dexter began his career at DeMotte State Bank in the summer of 2015 as a seasonal maintenance worker after graduating from Covenant Christian High School. He then began his college education at Grace College and continued his employment at DeMotte State Bank as a Teller during summer and winter breaks. Once Luke graduated from Grace College in 2018 with his Bachelor's Degree in Sports Business and Masters of Business Administration, he was promoted to a Management Trainee at DSB Main in January 2019. Now as a Loan Officer at DSB Main, Luke looks forward to serving the community that he has grown up in and contributing to the success of individuals and local businesses. When Luke isn’t working, he volunteers as a basketball coach at DeMotte Christian School, serving as a small group leader at First Church, and spending time with his wife Chloe. Luke looks forward to meeting your lending needs.

Know Before You Go

Streamline the Process

It never hurts to be prepared, here is a short list of what you will need to get your loan started with us.

Two most recent year’s tax returns, including W-2’s
Current pay stubs covering a 1-month period
Two consecutive bank statements and asset accounts
Survey or legal description of pledged collateral
Completed application with signature and dates
Completed Credit Authorization form with signatures and date
Home Owners insurance information
Driver’s License and/or Social Security Card

Lending for your future

Agriculture

Competitive operating and equipment loans
Purchase or re-finance land
Assist new & start-up farms and farmers through USDA programs

Small Business / Commercial

SBA 7(a) & 504 programs available
Experienced team of commercial relationship lenders
Comprehensive range of loan products
Flexible and convenient loan terms
Specialty operating lines of credit

Mortgage

Construction Loans

Offers interest only monthly payments during construction
Easy transition from construction loan to permanent financing upon home completion

Conventional Loans

Perfect for the typical home buyer
A variety of loan terms and interest rates to fit your needs

FHA

Primary residence purchase with low down payments and favorable interest rates upon qualification
Insured through the federal government which may allow easier qualification than conventional home loans

Home Ready Mortgage

Affordable lending options for moderate to low income qualified buyers
Low down payment
Homeownership course (required) offering tips and insight on sustainable home ownership

Jumbo Loans

Offers first class home loan financing in excess of $647,200.00.
Competitive rates and terms for qualified buyers
Rewards buyers with good credit, stable income and employment, and verified income and assets

Land & Lot Loans

Land and lot financing available in Northwest Indiana upon qualification
Flexible amortization terms
Easy transition into a DSB Construction Loan

Applications

Know before you go! If you’re applying for a loan, we want it to be a seamless process. Please use the following resources to smoothly transition into your next life chapter!

Consumer Loan Application
Real Estate Mortgage Applications
- Borrower Application
- Additional Borrower Application
- Credit Authorization Form
Agriculture Financial Statement
Business Financial Statement
Personal Financial Statement

RuraLiving Home Mortgage

Opportunity to enjoy country living, with large acreage lots and outbuildings for qualified buyers
Long term financing and fixed rate interest available
Suitable for a hobby farmer

USDA/Guaranteed Rural Housing

Purchase a home with no / low down payment for qualified buyers.
Must be within certain program specified income limits based on county income averages.
Purchase location must be deemed rural by USDA guidelines.

VA Loans

Opportunities for qualified military veterans to purchase a home with no / low down payment
Opportunities for qualified military veterans to refinance debt based on VA guidelines
Low fixed interest rates with a variety of terms available

Calculators