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Mortgage Services

Whether you are a first time home buyer, desire a larger home, a vacation home, or just wish to refinance your existing home, Citizens National Bank is there to help you with a wide range of mortgage products. Home buying for most people is their biggest investment. At Citizens National Bank, our professional mortgage staff understands that this is a time of excitement, anticipation and anxious concerns. They are there to make the loan process simple, quick, convenient and hassle free. But most of all, Citizens National Bank mortgage bankers are there to give you peace of mind, sound advice and quick turn around service.

H.O.P.E. Mortgage Assistance Program

Citizens National Bank is partnering with Beyond Housing, a not-for-profit agency, to offer first time home buyer assistance with a Home Ownership Program and Education Mortgage. Our H.O.P.E. mortgage program targets low to moderate income families looking to purchase their first home in St. Louis City or St. Louis and Charles County. Click here for more details.

Refinancing Opportunities

Thinking about refinancing? With today's low rates, you could save thousands of dollars.  Visit our Financial Calculators page to see if refinancing your existing mortgage makes sense for you or call us if you have any questions.


Why Choose Citizens National Bank Mortgage Division?

In House Lending Authority: All our decisions are made right here in St Louis. We originate, process, underwrite and fund the loans in our Maplewood center .

We Fund Our Loans: Citizens National Bank of Greater St Louis is a BANK! We are not a mortgage banker or mortgage broker. This means we will have a check at your closing! No more delays or changes with your closing date!

Experience You Can Trust: Citizens National Bank has been servicing St. Louis since 1915. Our Mortgage department is staffed with seasoned professionals who have years of experience in mortgage banking.

Become A Customer For Life: Strong banking relationships are how Citizens National Bank of Greater St Louis was built. Whether you are buying your first home, refinancing your current residence, opening a checking account, IRA, a safe deposit box or building the home of your dreams, we want you to count on Citizens National Bank to assist you along the way.

Products Available: The best mortgage for consumers is the loan that best fits their financial goals. Some mortgage products build equity rapidly, some reduce payments and others allow minimal down payment.

Our wide range of products includes:

  •  Conventional Mortgages
    • Fixed Rates
    • Balloons
    • ARMs (Adjusted Rate Mortgages)
  • FHA Mortgages
    • Fixed Rates
    • ARMs (Adjusted Rate Mortgages)
  • VA Loans
    • Fixed Rates
  • MHDC (click here for the MHDC website) 
  • Construction Loans
  • Home Equity Lines of Credit
  • Balloon Mortgages
  • Bridge Financing
  • Portfolio Loans 

For additional information, please call us direct at (314) 735-4600 or contact one of our Professional Mortgage Consultants and let us assist you in choosing the best mortgage program that suits your needs.

If you would like to complete an online application, please click "Apply Online". Completing an online application is not considered a loan approval or is not guaranteeing your interest rate.  Please contact one of our professional mortgage consultants at any of our locations for details.

Citizens National Bank, 7305 Manchester Road, St. Louis, MO 63143.                       NMLS#  447291

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Citizens National Bank | 7305 Manchester Road, Maplewood, Missouri 63143

(314) 645-4373 - TELEPHONE EXPRESS | (855) 401-9648 - BILL PAY SUPPORT | (314) 645-8730 - FAX | info@cnbstl.com

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