MN - MN-MLO-2039680, WI - 2039680  
Aaron Ellefson is a committed mortgage professional with a passion for guiding clients toward homeownership and building long-term financial success. Known for his exceptional listening and communication skills, Aaron takes the time to understand each client's unique goals, ensuring they feel supported and informed throughout the loan process. His dedication to providing clear, personalized guidance empowers clients to make confident decisions and discover opportunities that align with their financial plans.


Outside of work, Aaron is an outdoor enthusiast who enjoys hunting, fishing, weight training, and restoring classic cars. A true music lover, he finds inspiration in live performances and keeps music playing as a constant soundtrack in his life.  
Whether you're buying your first home, refinancing, or exploring new opportunities, Aaron is here to make your mortgage experience seamless and rewarding. Reach out to him today for expert advice and a customer-first approach!

Loan Officer

Aaron Ellefson is your River Falls local lender. As a loan officer at Citywide Home Mortgage, Aaron is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Aaron at (715) 304-3208 for more information!

Aaron Ellefson at Citywide (NMLS #2039680)

ID - MLO-2081401375, SD - 1401375.MLO, IA - 52290, MN - MN-MLO-1401375, WI - 1401375  
Looking to obtain a house? Need financing? I am driven to help people with home buying, investments and 2nd home needs. I work with a diverse clientele spanning from first-time buyers to international investors. I have many programs that are unique which means more options for you. In the industry for 23+ years, from title, real estate and mortgage makes me well rounded in the whole overall process. I am able to provide solid mortgage advice and get you prequalified. YOU should connect with me if: 1. You're looking to purchase a home 2. You're looking to invest in property 3. You're needing to refinance to lower rate or get cash out 4. You're looking for a top notch lender who can lend nationwide. Trust me as I have been through the mortgage and refinancing process myself and I know first hand that it can be stressful. I can guide and support you through the financing process answering all your questions and making you comfortable so that is it as stress free as possible. Specialties: Jumbo loans, investments, self-employed, veteran loans, first-time home buyers, new construction, relocation, renovation My goal is to earn your confidence throughout the process and become your mortgage advisor for many years to come.

Kris Richard is your River Falls local lender. As a loan officer at Citywide Home Mortgage, Kris is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kris at (507) 269-4380 for more information!

Kris Richard at Citywide (NMLS #1401375)

IL - 031.0082220, MN - MN-MLO-286578, MO - 286578, WI - 6717  
With a bachelor's degree in finance and nearly two decades of experience in the mortgage industry, David Wahrenbrock is a trusted resource for clients and real estate agents alike. Since starting his mortgage career in 2005, David has been a Branch Manager for the past 15 years, helping countless clients achieve their homeownership dreams—even when other lenders couldn't. In fact, 20% of David's closed loans were initially turned down by other banks due to complexity, highlighting his expertise in navigating challenging scenarios.


David treats every loan with personalized care, analyzing immediate financial goals and long-term mortgage planning to craft solutions that fit each client's unique needs. His creative, strategic, and determined approach has made him a go-to professional for clients and real estate agents seeking guidance in even the most complex situations.


To make the home loan process as seamless as possible, David leverages advanced technology and digital tools that simplify applying, tracking, and communicating throughout the process. Clients appreciate the ease and transparency his streamlined approach provides, ensuring they feel informed and supported every step of the way.


Living in St. Croix Valley with his wife and three daughters, David is deeply rooted in his community and values the time spent with his family. When not helping clients, he enjoys attending family events and supporting local organizations.


Whether you're a first-time homebuyer or facing challenges with your loan, David's expertise and dedication will help you confidently navigate the path to homeownership. Reach out today to get started!

Producing Partnership Branch Manager

David Wahrenbrock is your River Falls local lender. As a loan officer at Citywide Home Mortgage, David is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact David at (715) 304-3207 for more information!

David Wahrenbrock at Citywide (NMLS #286578)

CO - 100539364, AZ - LO-1049209, MN - MN-MLO-479262, WI - 479262



As a Loan Officer at Citywide Home Mortgage, it is my responsibility to ensure the mortgage process is a smooth and easy experience. My Team and I pride ourselves on our excellent customer service and strive to keep in constant communication with my clients, realtors and referral partners. You can count on me and my team for responsible, honest, and ethical service in every step of the process.

Lisa Ziebarth is your River Falls local lender. As a loan officer at Citywide Home Mortgage, Lisa is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lisa at (801) 713-3554 for more information!

Lisa Ziebarth at Citywide (NMLS #479262)

River Falls

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4 Loan Officers in River Falls, WI