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Home Loan Center

Local decisions.  Local service.  Feels like home!

At Clear Lake Bank & Trust, we understand buying or refinancing a home is one of the biggest financial decisions you will make. As a locally owned bank since 1934, we’re here to simplify the process for you with:

• simple online mortgage applications;

• convenient locations in Clear Lake, Garner and Mason City;

• an experienced staff of lending experts;

• competitive interest rates;

• low closing costs;

• local servicing of your loan, meaning your loan will remain with Clear Lake Bank & Trust for the
life of your loan.

Exciting Incentives in 2016

Clear Lake Bank & Trust has announced several grant programs for qualified families towards down payments and closing costs. One of the federal tax credits available will be equal to 50% of the mortgage interest paid up to $2,000 for the life of the loan!

We also are excited to announce a 97% financing option for qualified first time buyers or those who have not purchased a home in the past 3 years. 

For details about these incentives, contact one of our lenders today!


Clear Lake Bank & Trust Real Estate Team 


Cheryl Kurtzleben
Vice President,  
Real Estate Lending 

NMLS #594062 
Mason City West - 428.9511

 Joy Olson
Assistant Vice President,
Real Estate Lending 

NMLS #412053
Downtown Mason City - 428.9409

Casey Purcell
Mortgage Lending Officer  

NMLS #1056578
Mason City West - 423.7121

Chip Thiedeman
Vice President,
Real Estate Lending

NMLS #412058
Garner - 923.2606

Robin Bratvold
Vice President,
Real Estate Lending

NMLS #412045 
Clear Lake - 355.2218

Brigitte DeBell
Mortgage Loan Processing

NMLS #823765 
Mason City - 428.9508

Ben Schmitt
Mortgage Assistant

NMLS #1159098
Mason City - 428.9509



Lindsey Tell
Mortgage Processor

NMLS #1325865
Mason City - 428.9510
Abby Cunningham
Mortgage Processor

NMLS #1474783
Mason City - 428.9807