Today's Rates

Conventional Fixed Rate Mortgages
30 Year Fixed Rate
 Rate  APR  Points
 5.000%  5.069%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.875%  4.968%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.743%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.668%  0.000%

Welcome to Central State Bank's Mortgage Center

Your Online Mortgage Source

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A Central State Bank Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 855-292-4462.

We Keep It Local

After closing, most lenders will transfer or sell your loan for servicing outside our area. At Central we don't sell or transfer mortgage servicing. Your loan stays here in Beulah, Michigan, helping to create and keep local jobs. You can make your payment at either of our Central State Bank office(s) or online, and you can count on fast, local responses to any questions about your mortgage.

Rate Watch

Keep an eye on rates via e-mail. Sign up for Rate Watch.


Unsure of which way to go? Use our mortgage calculators to help you make the right decision.

Questions? Need Help?