People you know.

Experience you trust.

What do you want to do?

Interested in a construction loan or vacant land loan? Click here.

Why Ladysmith Federal?

Although you can expect exciting changes as we grow to meet your needs, one thing will not change: our friendly, professional staff and our shared commitment to our community. Our customers are our owners and the reason for our success! We are mutually owned, locally controlled.

Mortgage Learning Center

Mortgage Calculator

We have a variety of mortgage calculators to help you review different scenarios and select the mortgage that is best for your situation.

Home Buyers Guide

We want to empower you to make decisions that help you throughout the mortgage process. Our Learning Center provides you with helpful answers to the most common questions.