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Reaching Your Goals


A mortgage with Citizens State Bank can provide many financing options to make your home ownership dreams possible. Whether you are ready to purchase or build your home, are looking for a lake cabin, or hunting land, or need to make some upgrades to your existing home, we have experienced lenders to help you every step along the way.

At Citizens State Bank in Roseau, MN, we are proud to offer a familiar face throughout the entire process. From your first meeting with one of our friendly, knowledgeable loan officers to the day you make your last payment, you can trust that we will be here for you every step along the way, right here in Roseau, MN. Apply online or give us a call to start your mortgage experience with Citizens State Bank.

Personal Loans in Roseau, MN | Citizens State Bank

Meet Our Mortgage Loan Officers

Sarah Winkler Personal Loans in Roseau, MN | Citizens State Bank

Sara Winkler

Sara and her family moved to the Roseau area about 11 years ago and, along with their pets, love all the outdoor activities that the area has to offer. Sara has been the mortgage loan officer for the last six years at Citizens State Bank of Roseau and has been working at the bank for a total of eight years. She loves helping customers who are purchasing or building their forever homes!

Email Sara: SWinkler@citizensros.com

Jamie Simmons Personal Loans in Roseau, MN | Citizens State Bank

Jamie Simmons

Jamie graduated from Roseau in 1997 and went on to study at the University of Minnesota-Duluth, where he graduated in 2002 with degrees in Organizational Management and Marketing. In June 2002, he started working as a Loan Processor and Consumer Lender for a small family-owned bank in Cloquet, MN. His career progressed into Commercial and Real Estate Loans, and he was promoted to Branch President in 2016. Jamie and his family decided they wanted to move back home to Roseau, and joined the team at Citizens State Bank as a Consumer and Mortgage Loan Officer in 2018.

Email Jamie: JSimmons@citizensros.com


When it comes to buying a home, you need a trusted advisor on your side. Citizens State Bank is ready to help you every step of the way. Reach out to one of our friendly mortgage officers before you start shopping for a home to determine your buying power and get prequalified. We will be here for you through every step of the home-buying process. Check out our Home Buyer’s Guide for details on how Citizens State Bank can help you get into your dream home!


If you are thinking about refinancing your current mortgage to access the equity in your home, take advantage of a lower interest rate, or change your loan term, our mortgage officers can assist you. Our experienced lenders are here to help determine if refinancing is a good fit for you. Contact us today to speak with our mortgage officers who can guide you through the process.

Build Your Dream Home

Deciding to build a home is exciting! We will assist you in the many financial decisions that need to be made before the first drop of concrete is poured. Citizens State Bank will work with you to make the process straightforward and financially manageable. Our mortgage experts will help you obtain a construction loan, permanent home financing, and more. We are knowledgeable about our local community and beyond and will guide you in the home construction process wherever you decide to call home. Our team will strive to make everything as effortless as possible.

Home Equity Loans or Home Equity Line of Credit

Whether you are looking to remodel, build an addition, or garage, or consolidate other debt, a Home Equity Loan or Home Equity Line of Credit may fit your needs. These are a great option if you don’t want to make any changes to your current mortgage. Our mortgage lenders can help you decide which option will help you achieve your goals.

Learn more about personal loans and mortgages.

Citizens State Bank Roseau
118 Main Avenue South
Roseau, MN 56751-0160

Phone: 1-218-463-2135
Fax: 1-218-463-2943

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Business Hours:
Monday – Friday
Lobby: 9:00 AM to 5:00 PM
Drive Up: 8:00 AM to 5:00 PM

Lobby: 8:30 AM to 12:00 PM
Drive Up: 8:00 AM to 12:00 PM

CSB Routing Number: 091204527

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