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A home is a treasure chest of life's best moments

These moments mean the world to you. We’ll do all we can to provide you a home you can cherish them in.

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Helping You Get a Home You can Call Your Own

A Variety of Mortgage & Financing Options



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Buy a Home

While we offer fixed-rate mortgages, adjustable-rate mortgages, FHA, VA or USDA loans, what's more important is the guidance we provide to make sure you make a smart decision.

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Get Guidance


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Refinance Your Mortgage

Explore how you may be able to lower your monthly payments or reduce your term.

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Get Cash From Your Home

Look into whether a home equity loan or line of credit would be a good option for you to get cash now for various financial needs.

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Why Get Your Home Mortgage Loan With Us?

Reasons for choosing MutualBank

Personal Assistance

Call or e-mail our lenders anytime to get your questions answered. Or visit our mortgage FAQ portal to get answers now.

Mortgages Are In Our DNA

We have been helping people buy homes since 1889. That’s more than a century of experience working for you!

Local Decisions & Funding

All decisions regarding your mortgage approval and funding happen right here in your community.

Quick Process

Find your dream home and we’ll help you QUICKLY find the right mortgage.

Broad Array of Options

Fixed-rate mortgages, adjustable-rate mortgages, FHA, VA or USDA loans—we'll help you decide what is best for you.

Free Pre-Approvals

Get pre-approved to speed up the homeownership process.

My husband and I purchased our first home 12 years ago and didn’t think of going anywhere else but MutualBank for our mortgage. Since this was our first time purchasing a home, we didn’t understand how things worked or have much knowledge in this area...


Our family had a devastating fire at our home that rendered the home and most of the contents worthless. We didn’t know where to turn. We ended up turning to MutualBank and the Holdren family was blessed to have them in our corner.

Check Today`s Rate

Our Current Mortgage Rates


Rate APR Points
30 Year Fixed Rate
4.250% 4.351% 0.000%
20 Year Fixed Rate
3.875% 4.009% 0.000%
Rate APR Points
15 Year Fixed Rate
3.625% 3.794% 0.000%
1 Year Adjustable Rate
3.000% 4.078% 0.000%
Rate APR Points
5 Year Adjustable Rate
3.500% 3.945% 0.000%
7 Year Adjustable Rate
3.625% 3.933% 0.000%

Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with excellent credit scores (750 or higher) and no more than 60% Loan-to-Value (LTV). The actual interest rates and APRs available to you may vary based on your credit score, Loan-to-Value (LTV) ratio and other factors, and may be higher than those displayed here.

APR = Annual Percentage Rate


Knowledge is Power

Home Loan Resources & FAQs


Our Process & What to Expect

We strive to make the mortgage loan process as quick and painless as it can be for you!

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Frequently Asked Questions

Find the answers to common questions about mortgages and home refinancing.

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Mortgage Resources

We have a broad collection of blog articles, videos, and other resources that can help you make a great home buying / refinancing decision.

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questionmark sign - Mutual BankNeed Help?

MutualBank provides mortgage and consumer loans for almost any purpose. MutualBank serves customers in its market area only, and reserves the right to deny any account application on that basis. You have the right to file a written loan application and to receive a copy of the association's underwriting standards. Rates are subject to change without notice.