Join our mailing list to receive OSB news on events, services and offers.

Mortgage Loans with Ottawa Savings Bank

Ottawa Savings Bank (NMLS #403014)

PLEASE NOTE:The following links may direct you away from the OSB website.

At Ottawa Savings Bank, we genuinely believe in making homeownership available for every qualified individual. Whether you’re buying your first home, building the house of your dreams, or refinancing your existing home, we are here for you every step of the way.

We understand that homeownership is the single largest investment that most Americans will make in their lifetime, therefore, you can rely on our staff to deliver exceptional service before, during, and after the loan closes.

We offer

  • Competitive rates for real estate purchases, refinances and construction
  • Fixed rate and adjustable rate mortgages
  • 100% Financing with USDA Rural Housing Loans
  • Construction loans
  • FHA/VA loans
  • Personalized and attentive service from beginning to end

Online Mortgage Application

Ready to get started?  Applying online is safe, secure, and easy!  Complete our online mortgage application at your convenience.  You can start your application, save your work, and finish later if needed.  Click here to begin your mortgage loan application.

Contact Ottawa Savings Bank for today’s rates.

Get in touch.

Count on a personalized experience at Ottawa Savings Bank. For sound advice on buying, refinancing, or building a home, visit our experienced team of mortgage lenders to guide you through the process.

Please Note: Ottawa Savings Bank is committed to protecting your privacy and ensuring your private information is secure. For your protection, please do not send sensitive information such as account numbers, Social Security Numbers or private information through email.

Michael R. Wendorf
Director of Mortgage Banking & Reverse Mortgage Advisor
Contact me in Ottawa at (815) 366-5477
[email protected]

As a long time resident of Ottawa with more than 35 years experience in the mortgage industry, Mike brings a great deal of value to Ottawa Savings Bank as our Reverse Mortgage Advisor. As someone who was the primary caregiver for his elderly father, he is very familiar with the cares and concerns of older adults as they look for answers. His compassion, strong communication and listening skills, patience and past personal experience offers the ability to relate and understand his client’s needs and well being. In his spare time, he enjoys playing golf, watching major sports and spending time with his grandchildren.

“Working with older adults and reverse mortgages is the most rewarding thing I have done in my career.” – Michael Wendorf

Dan “The Mortgage Man” Sabol
Mortgage Banking Sales Director
Contact me in Ottawa at (815) 366-5474
[email protected]
Dan’s Online App

Dan “The Mortgage Man” Sabol, Director of Mortgage Sales at Ottawa Savings Bank, tailors your financing to your unique lifestyle and goals.

With Dan, you can expect an authentic experience defined by honesty, integrity and fun. Whether you’re building your dream home or buying property for the first time, you deserve a smooth, respectful and personable transaction. At its core, Dan’s professional service is founded on the bedrock aim of your long-term financial security and wealth accrual.

Contact Dan “the mortgage man” to take advantage of today’s financial opportunities.

Deborah Ingold
Mortgage Loan Originator
Contact me in Morris at (815) 366-5448
[email protected]
Deb’s Online App

Deborah Ingold is a Residential Loan Originator with over 20 years’ lending experience in Ottawa, Morris and neighboring communities. She has an extensive lending background in Rural Development, FHA, VA and conventional financing. Deborah is a member of Rotary and offers her time and assistance with various charitable causes.

Lisa Jo Mertel
NMLS# 224854
Mortgage Loan Originator
Contact me in Peru at (815) 343-8924
[email protected]
Lisa Jo’s Online App

A lifelong resident of Peru, Lisa has 18 years experience and specializes in USDA, FHA,VA, conventional financing and grant programs for first time homebuyers.  Lisa provides professional service and explains the  process making your lending experience smoother and enjoyable.

Think mortgage Think Mertel, Think OSB.

Krista Durkin
Mortgage Sales Manager
Contact me in Shorewood at (815) 791-2461
[email protected]
Krista’s Online App

Krista Durkin offers 25 years of mortgage lending experience and has a degree in Economics from Northern Illinois University.  Krista grew up in Morris and has lived in the Will/Grundy counties’ area for all of her life with the exception of when she served in the US Air Force. 

She enjoys helping her customers with their mortgage needs and takes pride in providing the best service with the highest level of integrity.  

She has expertise in all types of lending, including Conventional, FHA, VA, USDA Rural Development, IHDA First Time Homebuyers, investment properties and new construction financing. 

Krista is a member of the South Suburban Home Builders Associates, Three Rivers Association of Realtors, Joliet Regional Landlord’s Association and Joliet Chamber of Commerce.

Patrick Durkin
Mortgage Loan Originator
Contact me in Shorewood at (815) 791-2542
[email protected]
Patrick’s Online App

Patrick has been helping to assist customers with their Mortgage Lending needs for 17 plus years. Whether you are looking to Purchase, Refinance, or Build your Dream Home, he can help guide you through the process.

He received a BS degree from Illinois State University in Normal, IL.

Patrick is a member of the South Suburban Home Builders Association, Three Rivers Association of Realtors, Joliet Landlords Association, and the Joliet Chamber of Commerce.

Audrey Sherwood
Mortgage and Consumer Lending Services
Contact me in Marseilles at (815) 795-2129
[email protected]

Audrey has been with Twin Oaks Savings Bank, now Ottawa Savings Bank, for nine years.  In addition to her duties as Assistant Branch Manager and Teller Supervisor, Audrey provides mortgage lending services at the Marseilles branch.  Audrey is a graduate of the Community Banking Association of Illinois Consumer Lending Institute and the Community Bankers School.  She holds a Bachelor of Science degree in Finance from Devry University and is a member of the Career Development Division of the CBAI.


Jason Durkin
Mortgage Loan Originator
Contact me in Shorewood at (815) 531-2059
[email protected]
Jason’s Online App

Jason Durkin has a Marketing Degree from Illinois State University. He is a current resident of Morris, IL and a longtime resident of Shorewood, IL. Jason’s goal is to provide all of his customers with the highest level of service and tailored solutions for their mortgage needs. When looking to make a purchase or to refinance a home; working with Jason will be a helpful and smooth process.

Jason is a Member of the South Suburban Home Builders Associates, Three Rivers Association of Realtors and The Joliet Chamber of Commerce.