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.😊

Click 'Apply Now' for more information, pre-qualify, or to start the loan process.

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. Decisions are made by real people, right here, who 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.

We offer many types of home mortgages, including:

• First-Time Home Buyers
• Purchase Loans
• Refinance
• Construction

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!