First State Bank and Trust has a full range of lending options with competitive rates and fees. Pair that with unmatched customer service and you'll be ready to buy, build or refinance. Give us a call or stop in - we'll be happy to help.


Please note: Our typical lending area includes the Minneapolis/St. Paul seven-county metro and the Wisconsin counties of St. Croix, Pierce and Polk. If you are applying from outside of these areas, please contact us at our toll free number: (800) 848.4897

  • Purchases: Buying a home is an exciting experience, but it can be overwhelming. From pre-approval to closing, we'll work with you and your realtor for a smooth and stress-free home-buying process. Whether it's a home, vacation getaway, condo, or land purchase -- we'll be with you the whole way.
  • Refinances: If you're looking for a better interest rate or term on your existing loan, look no further. Here at First State Bank and Trust, we will provide you with the information you need to make a sound decision.
  • Construction Loans: Your dream home is within reach. We will work with you, your builder and a title company to process your draws quickly and efficiently. When your project is complete, we can roll the loan to permanent terms or evaluate different options with you.
  • Home Equity Loans: You've worked hard to build up equity in your home. It's time to put that equity to use for remodeling, debt consolidation or even a dream vacation. Whatever your goal is, we'll provide you with the facts you need to make a well-informed choice.
  • Home Equity Lines of Credit: We understand the value of your house, not just as an asset, but as your home. We offer revolving lines of credit secured by your home's equity. Emergency expenses, a home improvement project, tuition -- the line's available when and how you need it.
  • Boat Slip Loans: We work solely with St. Croix Valley marinas to finance the purchase of slips. If you are in the market for a refinance, we do that too.
  • Commercial Loans: If it's time to accommodate your company's growth with additional space, First State Bank and Trust can assist with financing. We have flexible products for purchases, refinances or construction.

If you have any questions on your mortgage loan with First State Bank and Trust, please feel free to contact us at 1.800.848.4897.

You can also access your account with us via our Internet Banking system. Please contact us to get signed up.

To dispute errors on your mortgage loan with First State Bank and Trust, or to request information on your mortgage file, please send a letter to:

First State Bank and Trust
Attn: Mortgage Dept/QWR
950 Hwy 95 N
Bayport, MN 55003

In your letter, please include the following information:

  • Your name
  • Your loan number
  • The error you believe has occurred or the information you are requesting

For additional information, please visit the Consumer Financial Protection Bureau.


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