Personal (Consumer) Loan Application 
Home Equity Line of Credit (HELOC) Application 
Mortgage Application 
Personal Financial Statement 
Life can be full of surprises. When you need some extra cash - for whatever reason - that's where we come in.  
Whether the loan is Personal, Auto, or Recreational, Pine Island Bank offers you: 
  • Competitive Rates and Terms
  • Preapproval Process
  • Fast, Personal Service
  • Convenient Payment Options
    Want to check vehicle book values? Click here.  
    HOME EQUITY LINE OF CREDIT (HELOC) is a flexible, pre-determined line of credit. Once your HELOC is established, you can borrow any amount up to your credit limit whenever you want. To access the money you simply write a check from your HELOC account or use Online Banking. Repayment is flexible; you can pay the monthly interest only or include additional principal payments in an amount that you determine.  
    A HOME EQUITY LOAN is a fixed loan amount with specific payments for a set length of time.  The payment amount is determined by the amount and length of the loan.  A Home Equity Loan is typically used for purchases which require a lump sum of money up front and where you want a fixed interest rate and fixed monthly payment. 
    Common use of Home Equity Line of Credit or Loans are as follows: 
  • Debt consolidation
  • Vehicle or RV purchases
  • Vacations
  • Home improvements
  • Anything you may want!
    Best of all, the interest on your loan may be tax-deductible which can mean big savings. Consult your tax advisor to see if this may apply to you 
  • Operating Lines of Credit
  • Equipment
  • Commercial Vehicles
  • Commercial Real Estate
  • SBA Programs (Small Business Administration) Pine Island Bank participates with the U.S. Small Business Administration (SBA) to fund the needs of small businesses when financing is unavailable on reasonable terms through normal lending programs. SBA loan programs that Pine Island Bank participates in are the SBA 504 Program, SBA 7-A Loan Program, and SBA-Express Loan Program. New PI 504 loans provide long term, fixed rate financing for major fixed assets such as land and buildings. The SBA 7-A Loan Program can be used to purchase machinery and equipment, real estate property, inventory and/or to purchase an existing business, up to $2,000,000.00. SBA-Express loans are typically used for loans under $350,000. For more information go to
  • EDA Programs (Economic Development Authority) – Contact your city’s EDA office for more information
  • Business Credit Cards
  • Letters of Credit
  • Operating Lines of Credit
  • Crop
  • Livestock/Dairy
  • Machinery
  • Ag Real Estate
  • FSA Programs (Farm Service Agency)
    Current agricultural information can be found here: 
    Pine Island Bank offers iHELP Student Loans.  For more information or to apply, Click Here! 
    For a College Planner, where you may obtain more information on other student loans, please go to the Additional Services section of this website 
    Check Out Our Different Loan Calculators   
    (The Secure and Fair Enforcement for Mortgage Licensing Act) 
    NMLS ID #s 
    Pine Island Bank =  654950 
    Jim Mack = 697979 
    Chris Nelson = 698014 
    Darin Jensen = 876441  
    David Egger = 697685 
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