Home Mortgage Services

United Southern Bank offers Home Mortgage Services!

Finding the right home and the right mortgage helps set a solid foundation for successful homeownership. At USB we have the mortgage tools, information and expertise to help you with the decisions you need to make along the way.

USB Offers:

What you need to apply (USB Loan Checklist)

Meet our Mortgage Specialist…..

Cindy Howard Law recently joined United Southern Bank in December 2013 as a Home Mortgage Lender.  Prior to joining USB, Cindy worked in asset management with several local and national clients and assisted with all facets of personal finance from financial planning to residential lending.  Cindy also taught financial planning and personal finance to high school students in the Clarksville school district for 8 years before transitioning back into residential lending and client financial services.

Cindy earned her Bachelor’s degree in Business Administration from the University of Kentucky.  Cindy and her husband, Trent, reside in Elkton with their three boys, Dylan, Cameron, and Evan.

NMLS #1094514


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What We Offer

Mobile Banking

Check balances, transfer funds and review account activity from your cell phone

Personal Banking

Checking, savings, CDs, and IRAs with a variety of options to fit your lifestyle

Business Banking

Accounts and services designed to help keep your business running smoothly

Wealth Management

A variety of traditional, alternative, and other innovative products and services in a personal, low-pressure environment.


A full range of bank services, from safe deposit boxes to cash management

The USB Difference

“Life keeps you busy... We make it a little easier...”


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Welcome to a new kind of community banking.

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