Mortgages & Home Loans

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


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


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Term Fixed Interest Rate APR*
15 Year 3.500% 3.582%
20 Year 3.750% 3.814%
30 Year 3.875% 3.921%

*APR= Annual Percentage Rate. 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. Rates effective as of 11/12/2019

Our Lenders

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



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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 interst rate. Then contact us today to talk about your home loan.

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