State Farm Bank^® Underwriting Standards

State Farm Bank, F.S.B. offers a variety of loan products, including mortgages, vehicle loans, home equity loans, debit cards, and credit cards. You may submit an application for any of these products at any time. State Farm Bank will accept and evaluate an application for any of these products from any applicant.

Upon receipt of an application, State Farm Bank will obtain a copy of your credit bureau report(s). State Farm Bank will then evaluate your credit report(s), the information you supplied on your application, and your transactional history with State Farm®. State Farm Bank does not consider any factor that does not bear upon your ability to repay the loan, such as age, race, color, religion, national origin, gender, marital status, familial status, handicap status, the fact that all or part of your income derives from any public assistance program, or that you have in good faith exercised any right under the Consumer Credit Protection Act.

The underwriting criteria utilized by State Farm Bank are developed for each type of secured or unsecured credit offered. Please call State Farm Bank at 1-877-SF4-BANK / 1-877-734-2265 with any questions you may have regarding underwriting guidelines for a specific loan product.

If you meet the established loan criteria based upon your creditworthiness, State Farm Bank will advise you that your loan has been approved. If you do not meet the established loan criteria, State Farm Bank will notify you of this decision and the basis for the decision.

State Farm Bank, F.S.B. offers credit cards and debit cards. You may submit an application for these products at any time. State Farm Bank will accept and evaluate an application for  these products from any applicant.

Upon receipt of an application, State Farm Bank will obtain a copy of your credit bureau report(s).  State Farm Bank will then evaluate your credit report(s), the information you supplied on your application, and your transactional history with State Farm.  State Farm Bank does not consider any factor that does not bear upon your ability to repay the loan, such as age, race, color, religion, national origin, gender, marital status, familial status, handicap status, the fact that all or part of your income derives from any public assistance program, or that you have in good faith exercised any right under the Consumer Credit Protection Act.

The underwriting criteria utilized by State Farm Bank are developed for each type of credit offered.  Please call State Farm Bank at 1-877-SF4-BANK (1-877-734-2265) with any questions you may have regarding underwriting guidelines for a specific loan product.

If you meet the established criteria upon your creditworthiness, State Farm Bank will advise you that you have been approved.  If you do not meet the established criteria, State Farm Bank will notify you of this decision and the basis for the decision.

Thank you for your interest in State Farm Bank.