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There’s no place like your home.


It’s important to us to find the mortgage loan option that works for you.






Wherever you are in your mortgage journey, we are here with you every step of the way – from pre-qualification all the way to closing.

I’m ready to apply or
be pre-qualified

If you are ready, this process will only take a few minutes. Let's get started!
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for later

Choose a time to learn a little more about what you can expect during your CSB mortgage application.
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I want to speak with a Mortgage Loan Officer

Call us to learn more about our product offerings.
(Mon-Fri 9 am-6 pm)
Call 617.441.4109

I want to learn more
about mortgage options

You may still be curious and need a little more information.
Check out our products and rates


Learn a little more about what you can expect.




Based upon your credit decision.


Based upon your credit decision.


Your loan application will be submitted by your Mortgage Loan Officer and you will also get an email request for your consent to receive disclosures electronically. You will have the option to lock in your interest rate at this time as well.

You will be introduced to your Loan Analyst who will work with you to collect:

  • The loan disclosures that are required to be signed
  • A Loan Administration Fee
  • Any applicable documents (i.e. tax returns, pay stubs, etc.)

An appraiser will contact you or your realtor to coordinate an appraisal of your property.

Depending upon the review of your loan and our loan decision, your Loan Analyst will contact you with your Conditional Loan Approval and may ask you for some additional documentation in order to receive a Loan Commitment.

Once your appraisal has been reviewed and accepted, we will provide you with a Loan Commitment that will include any final documentation requirements. At this point, you will also receive your initial Closing Disclosure.

Once we have all of your final documentation and your loan is clear to close, our loan closing attorney will contact you to schedule your closing and to confirm all fees.

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With you every step of the way

Thinking about buying a home or just want to learn more about the mortgage process?

Let our local experts walk you through the process in Your Mortgage Journey, our mortgage loan financial education video series.

Chapter 1: How the Mortgage Loan Process Works

This video is also available with audio description.

View the full Your Mortgage Journey Series     View Chapter 2: Mortgage Loan Processing

1Annual Percentage Rate (“APR”) and Interest Rate (“Rate”) are effective May 3, 2022 and are subject to change without notice. The APR and Rate are calculated using a loan amount of $647,201 for a term of 30 years or 360 months and a down payment of 20% for a 1 unit, primary residence purchase or rate and term refinance with a loan to value of 80% or less and FICO Score 680 or greater for a 60 day rate lock period. Rates may vary based on other scenarios. Payments are $4.99 per $1,000 borrowed. Payment does not include taxes and insurance, your payment may be greater. Complete application required, with approval subject to meeting underwriting qualifications. Available on owner occupied, 1-4 unit (condominiums must meet CSB’s condo guidelines), purchase and rate and term refinance transactions with a maximum loan amount of $2,000,000 for up to 60 days lock period. Fees and closing costs may apply. This rate and APR are not available for programs offering discounted rates or closing costs. Please inquire.