The APR heading above refers to the term "Annual Percentage Rate"  which represents the total cost of the loan as a percentage when taking into consideration of interest charges and other fees and costs associated with the loan. The information provided above is not a direct offer to grant credit and is displayed for informational purposes only.  To receive an actual offer for credit you will need to apply and be approved for a loan.  Information you provide to us in an application will determine your eligibility for a loan and the final terms and conditions of the loan such as the interest rate and other associated costs and fees.   All rates posted above are subject to change without notice. 

*The information provided for the above loan examples assumes the loan is to purchase a primary residence single unit property, with a loan amount of $225,000.00 with a purchase price of $281,250.00 and a down payment of $56,250.00 (20% down payment).  The property is located in Brown County, Minnesota.  The rate lock period for this loan would be for 45 days and assumes a credit score of at least 740.  The payment amount does not include homeowners insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment.  Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account history.