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
Vice President & Residential/Consumer Lender
Loyal Office
715.255.8526
NMLS#617503

 

 

 

 

Bonnie Bartz
Vice President & Branch Manager
Granton Office
715.238.7169
NMLS#617501

 



Darlene Zschernitz
Vice President/Branch Manager
Neillsville Office
715.743.7494
NMLS#617502

 

 

 

Heather Beiler
Vice President/Branch Manager
Marshfield Office
715.486.8151
NMLS# 758186

 

 

 


Doug Bacon
Assistant Vice President/Branch Manager/Loan Officer
Spencer Office
715.659.5159
NMLS#194250

 

 

 

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.