Ladysmith Federal makes it easy for those of you looking to purchase your dream home. It’s easy to apply – just stop by our office to pick up an application or complete one online by going to tools on the homepage.

We offer a variety of options, one that is sure to fit your needs including:

  • 15, 20 and 30-year fixed and adjustable rates
  • Low closing costs
  • Vacant land loans
  • Refinance
  • Construction loans
  • Grant program available for those who qualify for down payment assistance

Our lending staff will work with you to find a term and rate that fits within your budget to make purchasing a home as easy and as fun as possible.  We offer competitive rates for your refinancing needs and most important, your payments are made locally right at Ladysmith Federal.

Sara Baker MLO # 489535

You will be sent to our secure online banking site at

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Loan Pre-Qualification

Click here to process a loan pre-qualification submission.
How to sign up for online banking:

Call Ladysmith Federal at 1-888-532-5375
Member FDIC, Equal Housing Lender