Disclosures

Receive up to $5,000 off Commercial Mortgage Closing Costs

Receive a credit up to .5% of the total loan amount, up to $5,000, on closing costs for new commercial mortgage applications received between 5/1/19 and 07/31/19 that close by 11/30/19. Loan requirements include an acceptable LTV with first lien position and are subject to credit approval. $100,000 minimum loan amount. Closing costs eligible for waiving include appraisal, title, environmental certification, and origination fees. SBA charges cannot be waived, and other fees may apply. Closing cost reductions are credited at closing. Citizens State Bank may modify or cancel the program at any time.

NMLS Information

A free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state. To access this free service please visit the Nationwide Mortgage Licensing System & Registry. You may also access a list of current employees with an NMLS number HERE.

Member FDIC

The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the US Government. The FDIC protects depositors against the loss of their insured deposits if an FDIC-Insured bank or savings association fails. FDIC Insurance is backed by the full faith and credit of the US Government.

If your CSB accounts total $250,000 or less, your deposits are fully insured. A depositor can have more than $250,000 at one insured bank or savings association and still be fully insured, provided the accounts meet certain requirements. To learn more, please contact us.

Equal Housing Lender

The terms Equal Housing Lender and Equal Opportunity Lender are synonymous and refer to all FDIC-Insured banks, including Citizens State Bank. Such banks are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap, or familial status. They are required, in all advertisements of home loan-related services, to explicitly use one of these two terms in describing themselves, or to use one of several approved logos, like the one you’ll see throughout our website: 

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available at the Consumer Financial Protection Bureau’s website. HMDA data for other financial institutions are also available at this site.

USA Patriot Act/ Customer Identification Requirements

In accordance with Section 326 of the USA Patriot Act , applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customer’s identity and confidentiality is our pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country.

Downloadable Disclosures: