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Home Mortgages

PICTURE THIS. . .

You found your dream home, but you don't have a local partner who is looking out for your best interest, causing added stress. That is where we come in - providing trusted guidance, local expertise, and peace of mind every step of the way.😊

 

 Apply Now!

For more information, pre-qualify, or to start the loan process.

 

Mortgage team in lobby 2

We offer many types of home mortgages and loans , including:

 

First-Time Home Buyers
First-Time
Home Buyers
Take the first step toward homeownership with a local team.
Purchase Loan
Purchase
Loan
Financing options to help make your next home purchase a reality.
Refinance Loan
Refinance
Loan
Explore refinancing options that may better fit your current financial goals.
Construction Loan
Construction
Loan
Local financing to help build equity and your dream home.

Local Home Loans Made Simple

At Citizens State Bank, mortgages are not just numbers on a screen. They are conversations, high fives at closing, and a team that actually knows your name. From first questions to final signatures, our mortgage team is here to provide an experience like no other. Your loan does not disappear into a corporate maze here. Real people make decisions right here, and they understand your goals and your community. That means quicker answers, fewer hoops, and a smoother path to closing. And because we keep our home loans in-house, you work with the same team from day one and stay part of the Citizens family long after the paperwork is signed. We take our work seriously, but we believe the process can still feel personal, upbeat, and even fun.
Questions are always welcome. Wins are celebrated. And your goals are always at the center of everything we do

 

 

Apply Now!Mortgage Calculator

OptOut Prescreen

Tired of unwanted credit or insurance mail, texts, and emails? Opt out of prescreened credit and insurance offers before you begin the mortgage process. This is especially helpful before you begin shopping for a home mortgage since opting out can limit unnecessary inquiries and prevent a surge of unsolicited mail. Visit their site to manage your prescreened offer preferences. OptOutPrescreen.com

 

 

 

Meet our Mortgage Team!

Scott Ulik

VP - Mortgage Lending

NMLS#515908

Location: La Crosse, WI

(608) 785-2265

Email Me

Apply Today

Read Bio
Sue Nelson

VP/GM – Mortgage Loan Officer

NMLS#643310

Location: Eau Claire, WI

(715) 832-2265

Email Me

Apply Today

Read Bio
Dallas Solfest

AVP/GM – Mortgage Loan Officer

NMLS#885433

Location: Clayton, WI

(715) 948-2142

Email Me

Apply Today

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Ariel Plumhoff

General Manager

NMLS#2806765

Location: Onalaska, WI

(608) 783-2646

Email Me

Apply Today

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Cory Jacobson

Mortgage Loan Officer

NMLS#1698769

Location: La Crosse, WI

(608) 785-2265

Email Me

Apply Today

Read Bio

What Our Clients Say About Us

Citizens State Bank is seriously awesome!! Walking in you wouldn’t ever believe it’s a bank.
The atmosphere and positive attitudes of everyone makes my day!

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

Citizens State Bank is seriously awesome!! Walking in you wouldn’t ever believe it’s a bank.
The atmosphere and positive attitudes of everyone makes my day!

This bank is by far the best experience I have ever had with dealings with banks!!
I will refer citizens to anyone!