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Mortgages & Home Loans

As an independent community bank, we have pledged to keep our home loan processing and decision-making local.

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We strive to provide you not only the mortgage products and services you need, when you need them, but also the peace of mind that comes from talking to a real person who lives and works in the same community you do.

  • Free and Easy Prequalification
  • First Home, Vacation Home, and Refinancing Options
  • Fixed and Adjustable Rate Mortgages
  • Construction and Land Loans
  • Home Equity Lines of Credit

Citizens State Bank NMLS #616768

Term Fixed Interest Rate APR*
10 Year 5.625% 5.788%
15 Year 5.750% 5.866%
20 Year 5.875% 5.968%
30 Year 6.250% 6.321%

Interest rate is subject to change at any time without notice.
Rates effective as of 12/8/2022
Subject to credit approval. APR= Annual Percentage Rate.

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Interest rate is subject to change at any time without notice. Rates shown here are available to borrowers with an excellent credit history. The actual APR available to you may vary based on such factors as credit score, loan-to-value ratio, loan purpose, secondary financing, and type of property. Your actual payment may be higher if an escrow account is established or required. A down payment may be required. The stated APR assumes a 20% down payment and is based on a loan amount of $100,000. Your actual experience may vary.

Our Lenders

Providing mortgage loans or home loans in Cadott, Chippewa Falls, Cornell, Lake Wissota, and the surrounding areas.

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Mortgage Banking 1
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Mortgage Loan Calculators

Calculate your monthly payments. Compare mortgage terms. Determine how much you'll save if you refinance to a lower interest rate. Then contact us today to talk about your home loan.

mortgage relationships

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