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Home Mortgages

Why mortgage or refinance with Citizens?

Buying and selling a home or refinancing can be hard and stressful. We know because we have been there ourselves. The loan process can seem daunting and overwhelming but, at Citizens State Bank, we're here to make sure the process goes smoothly and quickly with the least amount of stress as possible because we provide responsive, no-hassle financing to each and every one of our customers. Each employee takes pride in our mission to provide an experience like no other at every step of the mortgage process. Our decisions are local, which cuts down on the approval process tremendously, and our loans are not sold like other institutions so you will always be a part of the Citizens family!


So, if you're looking for a bank that provides superior hometown community service and doesn't treat its customers as a number, Citizens State Bank is the financial institution for you! Click 'Apply Now' for more information, pre-qualify, or to start the loan process right away.






We offer all types of home mortgages, including:

Mortgage Calculator

Meet our mortgage team!

Mike Stangl

VP – Mortgage Lending, NMLS#604713

Location: La Crosse, WI

(608) 785-2265

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Sue Nelson

VP/GM I Mortgage Loan Officer, NMLS#643310

Location: Eau Claire, WI

(715) 832-2265

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Dallas Solfest

AVP/GM I Mortgage Loan Officer NMLS#885433

Location: Clayton, WI

(715) 948-2142

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What Our Clients Say About Us

Outstanding service, great atmosphere! Look forward to years of being a customer!


The dogs and I enjoy our trips to the bank. They get treats and I get my iced hazelnut coffee! Seriously through, the team inside know my husband and me by name and they often have our transitions completed (and my drink made) before I even get there. It's the personal touches that really make it for us.


Very lovely people always a great experience. They make you feel like family. Also they make everything easy. Wonderful entablement. Five Stars.