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Mortgage Center

Today's Rates

Conventional
30 Year Fixed Rate
 Rate  APR  
 6.750%  6.803%  
20 Year Fixed Rate
 Rate  APR  
 6.250%  6.318%  
15 Year Fixed Rate
 Rate  APR  
 6.250%  6.335%  
Government
FHA 30 Year Fixed Rate
 Rate  APR  
 6.625%  7.459%  
VA 30 Year Fixed Rate
 Rate  APR  
 6.875%  7.299%  
USDA/Rural Development 30 Year
 Rate  APR  
 7.875%  8.440%  

Personalized Quote

David Mitchell

Sr. Vice President & Loan Officer

NMLS #: 613388
Office: 618-539-4704
Fax: 618-539-4791
Email: dmitchell@citizenscommunitybank.com
620 N State St.
Freeburg, IL 62243

I am a Sr. Vice President & Loan Officer at Citizens Community Bank. I have over 30 years’ experience and knowledge in various lending transactions, including complex commercial transactions, construction loans, home mortgage loans and individual consumer loans.  I’ve been with Citizens Community Bank since 2008.  

I hold a bachelor’s degree in Business Finance from Eastern Illinois University and a Master’s in Business Administration from Southern Illinois University at Edwardsville.  

I was born and raised in Freeburg, and live in Freeburg along with my wife Katie.  

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

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. I will follow up to answer your questions.

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Apply Now

My goal is to provide the highest level of service at competitive rates. I am only a phone call away if you need help. Contact me at 618-539-4704.

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Government Loans

Looking for a no down payment VA loan or a low down payment FHA loan? You have come to the right place!

Home Equity

Put your home to work for you with a home equity loan or line of credit.
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