Mortgage Products
Citizens State Bank of Loyal has helped people achieve their dreams of homeownership. Our experienced loan officers can help with any mortgage need you have, whether you’re a first-time home buyer, looking to move into a different home, looking to refinance, or about to build a home. Citizens State Bank makes the loan process easier. For unmatched service from a friendly knowledgeable staff, consider Citizens State Bank of Loyal
Meet Our Lenders
Rick Szymanski Bonnie Bartz
Vice President & Residential/Consumer Lender Vice President/Branch Manager
Loyal Office Granton Office
715.255.8526 715.238.7169
MLO# 617503 MLO# 617501

Darlene Zschernitz Heather Beiler
Vice President/Branch Manager Vice President/Branch Manager
Neillsville Office Spencer Office
715.743.7494 715.659.5159
MLO# 617502 MLO# 758186
Mortgage Programs
Citizens State Bank of Loyal offers many types of home loans to fit your needs. We want to work with you; whether you are building a home, purchasing a home or refinancing. We are here to help you with the process and want this to be an enjoyable and exciting time in your life.
We Offer:
Conventional Fixed Rate Loans Fixed Rate Loans
Conventional Adjustable Rate Loans Construction Loans
Home Equity Loans Home Equity Lines of Credit Loans
Rural Development/USDA WHEDA Mortgages
If you are ready to take the next step, please give us a call at 800.599.8399. We’d be happy to meet with you at any of our convenient locations.



