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.
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.