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    Citizens 1st Bank excels in working one on one with our
    clients, making the purchase of your home a
    hassle-free experience

    Loan Types
    Purchase or Refinance
    Construction Loans
    Construction-Permanent Loans
    Home Improvement
    Home Equity Loans
    Rural Home Loans
    Bridge Loans (purchases)

Rates                                                                                                      Documentation

Competitive Fixed Rates                                                                         In most cases, all that is needed to get started is a
Adjustable Rates Available                                                                     "Uniform Standard Residential Application", your last
Mortgage Loan Calculator                                                                       three years tax returns, and your most recent pay stubs

Closing Cost                                                                                          Escrow

Citizens 1st Bank strives to keep closing costs low and                  An escrow account may be established for the payment
competitive with most other banks. Our experienced mortgage     of taxes, and hazard insurance.
loan officers will be happy to compare our closing costs
with other estimates.                                                                               

*See the bank for rates, options, terms and conditions for each type of loan. Additional documentation/verification may be required.

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Consumer Loans

At Citizens 1st Bank, we are committed to lending money
to the markets we serve in order to meet the borrowing
needs of those markets. We welcome the opportunity
to discuss and assist you with your financial goals.

At Citizens 1st Bank, we offer:

   - Auto Loans (new & used)
   - Boat Loans
   - RV Loans
   - Tractor Loans
   - Other Consumer Loans

Mortgage Loan Originators


               Tamara Bourque - MLO #939287

               Kim Crawley - MLO #939282

               Kevin Garrison - MLO #684612

               Randall Grooms - MLO #684613

               James Perkins - MLO #684616

               Julie Smith - MLO #1252089

               James Wood - MLO #684620

               Bobby Garmon - MLO #1641910

               Silvia Trejo - MLO #1658482

               Correen Marsh - MLO #1446392

               Arica Hanes - MLO #1817539

               Matthew Kyle Carpenter - MLO #878204

               Thomas Brent Taylor - MLO #2098740

               Edward Joseph Boyd - MLO #2107264


               Amanda Gray - MLO # 939285

               Charles Hassell - MLO # 684615


               Murphey Gayler - MLO # 1010285

               Chris Sidnell - MLO # 684618

               Kim Luna - MLO # 684619

               Ruben Carmona - MLO # 715297

               Teresa Solis - MLO # 1771449


               Samuel Alders - MLO # 1827813

Download NMLS MLO List

Citizens 1st Bank NMLS ID #657618

                                                                                                                                                Equal Housing Lender             Member FDIC