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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.

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 Line of Credit

Use the equity in your home to make home improvements, purchase a vehicle, consolidate your debt, or take a vacation. Plus, the interest may be tax deductible. (Consult your tax advisor.)

Citizens State Bank NMLS #616768

Term Fixed Interest Rate APR*
30 Year 6.625% 6.806%
20 Year 6.000% 6.232%
15 Year 5.750% 6.038%
10 Year 5.375% 5.779%

Interest rate is subject to change at any time without notice.
Rates effective as of 7/10/2025
Subject to credit approval. APR= Annual Percentage Rate.

View more information

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.

Apply for a Loan Today

Our Lenders

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

Carrie Bowe

NMLS #627112

715-978-0104

Email Carrie

Apply with Carrie

Shannon DeLeasky

NMLS #2298746

715-428-2801

Email Shannon

Apply with Shannon

Chris Wolff

NMLS #484555

715-978-0177

Email Chris

Apply with Chris

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.


*The information provided by our mortgage calculator is for illustrative purposes only and accuracy is not guaranteed. The figures shown are hypothetical and can vary based on your individual situation. Please consult a bank lender before depending on these results. This calculator does not have the ability to pre-qualify you for any mortgage or loan program. Qualification for mortgages or loans requires additional information such as credit scores and existing debts which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. All information such as interest rates, taxes, insurance, monthly mortgage payments, etc. are estimates and should be used for comparison only. Citizens State Bank does not guarantee any of the information obtained by any calculator.

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