Owning a home is a huge investment and can be an extremely rewarding experience. Let us help you find that dream, lower your monthly payment, or tap into the equity you’ve built.

We help you select the mortgage product that best fits your needs:

  • Purchase, lot, construction, and refinance loans available
  • Fixed (15, 20 & 30 year) rates
  • Balloon mortgages
  • Free pre-qualification
  • Local servicing

Online Mortgage Inquiry

We know how busy you are so you can begin your online mortgage application here – anytime from anywhere.

Mortgage Rates

Interest Rate
Annual Percentage
Rate (APR)
Monthly Payment
Closing Costs
15 Year Fixed 180 monthly payments
30 Year Fixed 360 monthly payments
Interest Rate
Annual Percentage Rate (APR)
Monthly Payment
Estimated Closing Costs
Interest Rate
Annual Percentage Rate (APR)
Monthly Payment
Estimated Closing Costs

Accurate as of 11/28/2022

Please note the following:

  • See the Loan Assumptions. Monthly payment and estimated closing costs are based on the information in loan assumptions for $150,000 or more.

  • These interest rates and APRs are subject to change without notice.

  • The monthly payment shown only includes your principal and interest payment. Your total monthly obligation will be higher with an escrow account or if your loan requires private mortgage insurance.

  • Your APR will vary based on your final loan amount and finance charges.

Loan Assumptions for $150,000:

  • Existing single family home
  • Primary residence
  • Purchase price: $187,500
  • Loan amount: $150,000
  • Escrow amount excluded in payment above
  • Rate lock period: 45 days
  • State: Wisconsin
  • Estimated Closing Costs:
    • Appraisal Fee: $450.00
    • Underwriting Fee: $650.00
    • Recording Fee: $60.00
    • Title Insurance: $400.00
    • Flood Determination: $9.00

Mortgage Checklist

The following documents will help you streamline your mortgage process:

  • Last 30 days of pay stubs showing year-to-date earnings
  • Federal Tax Returns and W2’s from the past two years
  • Include all pages, even if blank, of the following:
    • Bank statements for the past two months
    • Most recent 401(k), 403(b), IRA, investment account, cash value life insurance policy, if applicable.

Easy way to start your loan process


Mortgage Payoff Calculator

Payoff Calculator

Mortgage Loan Calculator

Loan Calculator

Mortgage Qualifier Calculator

Qualifier Calculator

Our Mortgage Experts

Start at Cleveland State Bank for a better mortgage experience.

Cleveland Branch - Main
1250 W. Washington Avenue
Cleveland, WI 53015
(920) 693-8256
Howards Grove Branch
502 S. Wisconsin Drive
Howards Grove, WI 53083
(920) 565-6000
Elkhart Lake Branch
91 E. Rhine Street
Elkhart Lake, WI 53020
(920) 646-3150

Matt Harms

Executive Vice President
NMLS# 584211
Headshot of Josh Brunner Consumer and Mortgage Lender

Josh Brunner

AVP Consumer and Mortgage Lender
NMLS #1808760

Ashton Holzman

Consumer & Mortgage Lender
NMLS# 1949895

Jenny Bartz

AVP Loan Administrator

Addi Gerber

Loan Assistant

Amy Clemens

Lead Loan Assistant

Kori Thompson

Loan Servicing Representative
Start our 5-step switch kit process.

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