Mortgage Loans

Your home should be a place of joy and your home loan should help you achieve your overall financial goals, regardless of where life takes you.
We Specialize in Creating Custom Mortgage Solutions
Financing is constantly changing so contact one of our advisors for a quick analysis to see if you are in the right financial structure for where you are today. Citizens State Bank offers mortgage loan solutions that cater to your needs.
home purchase mortgage


Looking to buy your first home? Need more room for an expanding family? Seeking to downsize now that the kids are gone? Thinking about buying a vacation home or rental property? Looking at a home that needs work? Out-bid on a home? We provide affordable purchase financing so you can act swiftly in today’s competitive market.
home refinance mortgage

Home Refinance Mortgage

Is your current mortgage payment difficult to manage? Can you afford to pay more each month on your loan? Has your credit or employment improved since you closed your loan? Has the value of your home increased? Thinking of moving or renovating in the next five years? Give us a call today to see if we can help your home help you.
cash out refinance

Cash Out Refinance

High credit card bills? College tuition on the horizon? Furnace breakdown or roof leaking? Medical bills piling up? Marriage breakdown?  Don’t let life events knock you off your financial plan. Give us a call to see how you can tap the equity in your home to stay on course.
Our Lending Team
Royal Oak
Tom Klar

Mortage Lending Officer
NMLS# 1032198

Hyassant Najor

VP, Business Development Officer
NMLS# 1625007

Ann Lantz

EVP, Market President
NMLS# 1577167

Take our One-Minute Home Buy-Ability Test
citizens state bank lobby

Request For Call Back

Are you interested in opening a checking account with us? Or maybe you are ready to get the home from your dreams? We are always happy to hear from you. Fill in the form and we will get back to you as soon as possible.

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The CSB Difference
outstanding service
Outstanding Service
We thrive by building personal relationships with our clients, we will always put you first.
fdic insured
FDIC Insured
Deposits are FDIC-insured up to the maximum allowed by law, $250,000 per depositor, per bank, per category. Additional bank services are available to maximize your FDIC Insurance coverage. Ask us how!
full service banking
Full Service Bank
Our collection of products and services rivals that of the big banks.
year of banking experience
110+ Years of Service
Our years of experience means that you can count on us.