Personal Mortgages

You have Citizens State Bank on your side when you’re buying, building,remodeling, or refinancing a home. We don’t believe one program fits all situations. That’s why we offer a number of loan programs. 

Unsure about what you may qualify for? Try our mortgage qualifier calculator today! 


24-Hour Home Loan Pre-Approval Guarantee

It's like walking in with a cash offer! Be in the best negotiating position when you find your next home. Our 24-hour full pre-approval can make the difference when you're ready to make that offer on your next home. 

Inquire here


When Does it Make Sense to Refinance? 

There are lots of good reasons to refinance. You may want to lower your interest rate, reduce the term of your loan or convert an adjustable rate loan to a fixed rate loan. The decision to refinance can be difficult and that is where we can help. Your local Citizens State Bank mortgage lending professional will be able to help you break down this process to see if it is right for you. 


Get a loan program that’s right for you 

Our loan programs include: 

  • Conventional loans 
  • Jumbo loans for high-value homes 
  • FHA loans
  • VA guaranteed loans 
  • USDA loans for rural communities
  • Bridge loans 
  • 80/10/10 residential program
  • Major Renovation Loans


We also offer loans for income-producing properties, manufactured homes, homes with extra acreage like hobby farms. 


Construction Loans

This loan is designed to pay for construction of a home and to provide periodic disbursements to the builder as they make progress. We know the building process can be overwhelming and we can help! Inquire here.


Lot and Recreational Land Loans

Looking to purchase a lot to build on or recreational land to simply enjoy? We can help you understand your options and find a loan that will work best for you. Inquire here. 


A Local Team Focused on You

You want your loan experience to be as smooth and painless as possible. We do too. So we listen, ask questions and work with you to find the right loan for you. We will be there every step of the way, from the application process to your closing. Select one of our knowledgeable mortgage lenders, or if you prefer having us contact you, complete the contact us form . To get started today inquire here


 Megan Holcomb 

NMLS# 452652
Elmwood Office 715-639-5411
Menomonie Office 715-235-3164


 Elizabeth King

NMLS# 1334848
Roberts Office 715-749-3701
Woodville Office 715-698-2411


 Jamie Van Pelt

NMLS# 1229275
Hudson Office 715-377-7016


 Steve Miller

NMLS# 452650
Hudson Office 715-377-7030
Roberts Office 715-749-3701