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

Harley Meyer 001

Harley Meyer
Assistant Vice President/Branch Manager
Spencer Office


Darlene Zschernitz
Vice President/Branch Manager
Neillsville Office


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

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.