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Mortgage Center

Mortgage Loans

Citizens State Bank of Loyal offers many types of home loans to fit your needs.  As your local community bank, we can offer you competitive rates, personalized service and long term stability. Whether you are purchasing a starter home, buying a new or a second home, or constructing a home contact one of our experienced mortgage lenders at

1-800-599-8399 or apply online anytime!

Citizens State Bank Of Loyal Offers

  • Conventional Fixed Rate Loans
  • Home Improvement Loans
  • Home Equity Lines of Credit
  • Construction Loans
  • WHEDA Loans
  • Downpayment Plus Program


Looking for a home loan professional?

Rick Szymanski
Rick Szymanski VP - Loan Officer - Loyal Area 715-255-8526 NMLS ID: 617503
Darlene Zschernitz
Darlene Zschernitz VP - Loan Officer -Neillsville/Granton Area 715-743-7494 NMLS ID: 617502
Leah Wilson
Leah Wilson AVP - Loan Officer -Neillsville/Granton Area 715-743-7494 NMLS ID: 1463121
Harley Meyer
Harley Meyer AVP - Loan Officer - Marshfield/Spencer Area 715-486-8151 NMLS ID: 1285479

What To Bring When Applying For A Home Loan

2 most recent monthly bank statements

2 most recent pay stubs

2 most recent w-2 forms

2 most recent tax returns

Completed offer to purchase (if applicable)

Profit and loss statement (for self-employed individuals)

2 most recent business tax returns (for self-employed individuals)

Abstract or title insurance policy (if refinancing)

If down payment funds are from the sale of another home, provide the complete offer to purchase for the property or a settlement statement

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