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 VP - Loan Officer - Loyal Area 715-255-8526 NMLS #: 617503

Donny Snyder AVP - Loan Officer - Marshfield Area and Marshfield Branch Manager 715-486-8151 NMLS #: 1716959

Dakota Watton AVP – Universal Loan Officer 715-743-7494 NMLS #: 2514287

Megan Rosandich AVP - Spencer Branch Manager & Universal Loan Officer 715-659-5159 NMLS #: 916441

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