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Online Banking

Home Loans Made Easy

It's true that mortgages are a complex business – but when you choose Citizens Bank for your home loan, you've got local experts walking you through the process, start to finish. Leave the heavy lifting to us now, because you'll need to move all those boxes later.

Heading Home Purchase Program

There’s no feeling quite like the one of heading home. And now, we’ve got more resources to help you get into your first home or your next home. We’ll also help local shelter pets find their way to a forever home with a donation to HAWS or Lakeland Animal Shelter.
Features of the new Heading Home program:
      • $550 off purchase closing costs1
      • Affordable monthly payments
      • Low down payment options2
      • Forgivable down payment assistance grants3
      • $100 shelter donation for completed purchase application 
Add this to what you expect from every Citizens Bank mortgage:
Fast & Free Pre-Approvals
More complete than a pre-qualification, a pre-approval from Citizens Bank tells you how much home you can comfortably afford – and one from a reputable bank can also add credibility to your offer to purchase.
In-House Loan Servicing
Have a question about an escrow payment? Need help after an insurance loss? We’re here for you. We service some of our loans in-house, meaning you call us directly – not a toll-free number – for help and answers.
Quick, Local Decision Making
Rather than shipping your application off to some faraway land, we review your application internally, and in most cases, we can approve your mortgage in just a few days.

Personalized Service + Online Convenience
Apply with the help of an experienced, dedicated loan officer – or on your own, at your convenience, using our online mortgage application. We’re always here to help you throughout the process – how much or how little you need us is up to you. 

Heading Home Purchase Program: 1. Offer must be mentioned at time of loan application. Application must be completed by 8/31/2021 and loan must close no later than 12/31/2021. Application must be for purchase transaction of an owner-occupied property in WI only. All loans subject to Citizens Bank underwriting and credit standards. No cash-in-lieu requests will be honored. Maximum total closing cost benefit per household is $550. Offer subject to change or end at any time and without notice. Other restrictions may apply. 2. Low down payment options offered through Freddie Mac. Certain income or geographic limitations may apply. Homebuyer education or counseling may be required. Ask a lender for program details. 3. Down payment assistance grants offered through the Federal Home Loan Bank of Chicago. Certain income or geographic limitations apply. Homebuyer education or counseling required. Ask a lender for program details.
Rates effective as of July 26, 2021

Conventional Fixed Rate Mortgages

Number of Monthly  Payments
APR* Points
Monthly Payment
per $1,000
10 Year
120 Released 2.125% 2.190% 0.000% $9.26
10 Year
120 Citizens Bank 2.250% 2.313% 0.000% $9.31
15 Year
180 Released 2.250% 2.295% 0.000% $6.55
15 Year
180 Citizens Bank 2.375% 2.418% 0.000%
20 Year
240 Released 2.750% 2.785% 0.000% $5.42
20 Year
240 Citizens Bank 2.875% 2.909% 0.000% $5.48
30 Year
360 Released 2.875% 2.900% 0.000% $4.15
30 Year
360 Citizens Bank 3.000% 3.024% 0.000% $4.22

WHEDA Mortgage

Number of Monthly Payments Servicing Interest Rate APR* Points
Monthly Payment
per $1,000
30 Year 360 WHEDA 2.875% 2.917% 0.000% $4.15
Assumptions, Terms & Conditions: Annual Percentage Rate (APR) based on $281,250 sales price/value, $225,000 loan amount, $56,250 down payment, and the following finance charges: $713.45 on servicing released loans, $685.50 on Citizens Bank serviced loans, and $1,187.45 on WHEDA loans. APR will vary based on actual loan amount and finance charges. Monthly payment shown is an example based on principal and interest only. Taxes and insurance not included; your actual monthly payment may be higher due to tax and insurance escrow. Valid for 1-4 family owner occupied properties in Wisconsin only.
Rates and terms subject to change at any time, without notice. Other terms, conditions, restrictions, and fees may apply. Subject to credit approval.
Terms Specific to WHEDA Program: 3% down payment required. Down payment may be financed separately. Tax and insurance escrow is required. Homebuyer education is required. Income limits apply, based on county where property is located.
NMLS #746419