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Citizens State Bank’s Mortgages

Making Dreams become a Reality

Citizens State Bank is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices. We offer various loans, such as:

  • Conventional Mortgage Loans
  • Refinance Loans
  • Loan/Lot and Interim Construction Loans
  • Home Improvement Loans
  • Home Equity Loans


Jeremiah Carnes
Assistant Vice President, Mortgage Lending Banking Officer

Citizens Financial Services
3915 SSW Loop 323
Tyler, TX 75701
Office: 903-581-8100 Ext. 1123
Toll Free: 800-989-2956 Ext. 1123
Fax: 903-581-0788