I have over 25 years of Experience in the Residential Mortgage Department as an Originator. I have been with First National Bank of Ottawa for going on 9 years.  I specialize in working with first time homebuyers.  I also have the knowledge it takes to put you into the right program that fits your personal needs. My borrower always come first! 

I am also very active in the community. I am an Ambassador for the Streator Chamber and currently serve as their President.

I’ve also been a Rotarian for over 20 years and have also served as President a few years ago.





Karen Karpati

Mortgage Loan Originator

NMLS #663776

Office: 815.672.2941

Cell: 815.252.3502

Fax:  815.673.3479

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Streator National Bank



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First Ottawa Bancshares, Inc. is the parent company of The First National Bank of Ottawa and its Branches: The First National Bank of Ottawa – Northfield, The First National Bank of Ottawa – Plaza,The First National Bank of Ottawa – South, Morris National Bank & Trust, Streator National Bank, Yorkville National Bank & Trust, and American Commercial Bank & Trust.

First Ottawa Financial Services is a division of The First National Bank of Ottawa



Main Bank
701 LaSalle St.
Ottawa, IL 61350
Phone: 815.434.0044
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The First National Bank of Ottawa and its branches will close at Noon on Christmas Eve, December 24, 2019, and on New Year's Eve, December 31, 2019. To ensure timely transmission of ACH batches and Wire transfers over the holidays, please have all ACH batches with a December 26, 2019 or January 2, 2020 effective date submitted no later than 11:00 a.m. on December 24 and/or December 31, 2019. Wire transfers requests received after 11:00 a.m. on December 24, 2019 and/or December 31, 2019 will not be processed until the next business day. The Directors, Officers, and Employees of The First National Bank of Ottawa hope that you and your family have a safe and happy Holiday Season!