From homes to vehicles and more, our loan staff is here to help, all with no appointment required.
Flexible Loan Options With Citizens Bank and Trust
Here at Citizens Bank & Trust, we offer many different types of loans tailored to your needs. Our options include financing secured by real estate, automobiles, stocks, livestock, recreational vehicles, equipment, oil & gas, and more. All loans are calculated using the simple interest method, and applications can be picked up or mailed from any of our four locations.
Our experienced loan staff is always ready to meet your needs, and no appointment is necessary. Whether you’re financing a new home, a vehicle, or another important purchase, we’re committed to making the process as simple and straightforward as possible.
Loan Services Available
Citizens Bank and Trust provides a wide range of loan solutions to support families, individuals, and businesses in Ardmore. Our goal is to match you with the right financing option and provide trusted support along the way.
Who are the loan officers I can work with?
Our experienced loan officers are here to help you find the right loan with personalized support and expert advice.
All Your Loan Questions, Answered
Our customers often have questions about the loan process, terms, and options. Here are a few quick answers:
We’re proud to provide flexible lending options for families, individuals, and businesses in Ardmore. Our loans cover everything from everyday needs to big life purchases.
- Real Estate Loans
- Car Loans
- Boat Loans
- Personal Loans
- Business Loans
- And more
No matter what you’re planning, our experienced loan officers are here to guide you through the process.
Yes, we offer 20-year fixed-rate mortgages that make budgeting for your future easier. With rates that are slowly declining, now is a great time to lock in a stable payment plan.
Our mortgage specialists will walk you through every step, from application to closing, making sure you feel confident along the way.
The process is designed to be as simple as possible. You can download applications directly from our website, stop by any of our branches, or request that an application be mailed to you.
Once completed, your application can be emailed to loans@citizensbt.com or delivered in person at the main branch. Our loan team is available without an appointment, ready to answer your questions.
Our friendly and knowledgeable team is here to help with every type of loan. Meet our staff:
- Tracy Conway – NMLS #566318
- Trey Rateliff – NMLS #1172386
- Susan Musshafen – NMLS #566314
- Megan Beames – NMLS #796726
- Caleb Lochridge – NMLS #1987166
Each officer brings expertise and personal service to ensure your loan experience is smooth and stress-free.
Yes. All loans are subject to standard credit approval requirements. This helps us ensure that your financing option is structured in a way that benefits you and supports your long-term success.
If you have questions about your eligibility or credit standing, our loan officers can review your situation and guide you through the next steps.
Talk To Us About Loans Today
Ready to explore loan options that fit your needs? Our loan officers are here to walk you through every step, including buying a home, financing a vehicle, or covering personal expenses. Call us at (580) 226-4610, email us at loans@citizensbt.com, or stop by our Main Branch to talk to a loan officer.