Home LendingCitizens State Bank makes it easy to finance your home with quick, local decisions. Contact Our Lending Team.Home Mortgage A mortgage is a home loan that uses your house as collateral. Learn More We offer many types of mortgages, from government-backed loans designed for people who meet set criteria, to mortgages for individuals looking for a second or investment home. We offer a wide range of lending options to meet each of our customer’s specific needs. Land and Construction Loans For your ideal plot of land. Learn More Construction loans available for the building phase. One-time construction to permanent options available. Home Equity For one-time loans or revolving lines of credit. Learn More Financing is secured by the equity within your home. Local decision making in Southwest Colorado.