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Mortgage Center

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, refinancing or even constructing a home, contact one of our experienced mortgage lenders at

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

Our lenders are experts on

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


Looking for a home loan professional?

Rick Szymanski
Rick Szymanski VP - Loan Officer - Loyal Area 715-255-8526 NMLS #: 617503
Darlene Zschernitz
Darlene Zschernitz VP - Loan Officer -Neillsville/Granton Area 715-743-7494 NMLS #: 617502
Leah Wilson
Leah Wilson AVP - Loan Officer -Neillsville/Granton Area 715-743-7494 NMLS #:: 1463121
Donny Snyder
Donny Snyder AVP - Loan Officer - Marshfield Area 715-486-8151 NMLS #: 1716959

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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