As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Loan Officer

Gary Evenson is your River Falls local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Gary is committed to helping homeowners with home purchase loans and refinances. Contact Gary at (262) 812-5120 for more information!

Gary Evenson at Citywide (NMLS #342374)

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!

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)

MN - MN-MLO-1401375, WI - 1401375, IA - 52290, ID - MLO-2081401375, SD - 1401375.MLO  
Honestly, my years of experience and my knowledge of the market are only part of the equation. For me, it is just as important to get to know you and your family and what loan options fit your needs. Putting my expertise and experience will help establish what your best loan options are for now and in the future.  
Building personal relationships with my clients is what has led to my longevity in this business, and the reputation I've been fortunate to build as a trusted lender. Referrals are a main source of my business which is why I have survived the ups and downs of this industry.  
I am passionate about my job. I love helping my clients and their families find the loan to get them into their perfect home.  
It doesn't matter to me whether you are obtaining a $100,000 or $1,000,000 loan, my team will treat you exactly the same. No matter your budget, I understand the huge personal, financial and emotional commitment involved when purchasing a home. That's why I promise to put my full expertise at your service, look at all loan options and make the experience as worry-free as possible, so you can start the next chapter of your life feeling confident rather than looking back with any regrets!  
From first time buyers to multi-investors I have many programs that can are unique giving you more options to better fit you needs. 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 the best financing that fits your needs.  
Some of my specialty loan programs are: White coat loans (doctor loan programs), first time home buyer, down payment assistance programs, ITIN, Bank statement, new construction and many unique situation loans.  
Let's talk!

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)

MN - MN-MLO-286578, MO - 286578, WI - 6717, FL - LO135498, IL - 031.0082220  
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)

MN - MN-MLO-479262, MS - 479262, AZ - LO-1049209, WI - 479262, CO - 100539364, FL - LO53995, IA - 54228, IL - 031.0089156, LA - Licensed


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 (651) 235-3128 for more information!

Lisa Ziebarth at Citywide (NMLS #479262)

MN - MN-MLO-869071



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.

Keith Lis is your River Falls local lender. As a loan officer at Citywide Home Mortgage, Keith 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 Keith at (612) 315-8739 for more information!

Keith Lis at Citywide (NMLS #869071)

River Falls

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6 Loan Officers River Falls, WI