Residential Lending

Your home is too important not to work with a professional lender who lives in and understands your community. Citizens State Bank has been helping families construct, purchase, and refinance homes in our hometowns for years and would be honored to help you with your home financing.

For Purchase 

Citizens State Bank understands that purchasing a home is one of the biggest financial decisions a family can make. Our veteran lenders will work with you to specifically design a loan that meets your family's need. We know that many homes in our communities are not traditional homes on traditional lots. We have the flexibility and expertise to loan on many types of homes including shop and berm homes. Our approval process is expedient and you will be dealing with the same staff from start to finish. We pride ourselves on offering low closing costs, making your loan closing as easy as possible. 

Photo: House with For Sale Sign

If you are wanting to purchase a rental property, please see our commercial lending page for more details. 


Whatever the reason for refinancing is, our lenders can develop a loan that will specifically meet your needs. We have terms to fit every situation, timely approvals to keep the process moving, and reasonable closing costs to fit your budget. 

Photo: Coins and Paper House

Home Equity Line of Credit (HELOC)

A home equity line of credit (HELOC) from Citizens State Bank is a convenient way for you to utilize the equity in your home for almost any purpose you desire. You can borrow the money as you need it and repay it utilizing our flexible repayment terms, and your interest may even be tax deductible. Please see a loan officer at your local branch for details.

Photo: Thought Bubble with Dollar Signs


Citizens State Bank has the flexibility and experience necessary to structure a loan to meet your needs. No matter the type of home you are building or the number of acres you are building on, we will work with you to customize a loan for you. CSB can finance the purchase of your lot or acreage, the construction of your home, and any other improvements. We can then provide you term financing for your completed home. Our ability to provide financing throughout the entire process will not only lower your total costs, but dramatically decrease the time you have to spend obtaining those funds..

Photo: House under Construction