Citizens 1st Bank will NEVER request personal or account information from our customers via email


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)
  • Personal Loan Calculator


In most cases, all that is needed to get started is a "Uniform Standard Residential Application", your last three years tax returns, and your most recent pay stubs


An escrow account may be established for the payment of taxes, and hazard insurance

*Contact nearest branch for details


Closing Costs

Citizens 1st Bank strives to keep closing costs low and competitive with most other banks. Our experienced mortgage loan officers will be happy to compare our closing costs with other estimates

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.

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

Mortgage Loan Originators


Arica Hanes - MLO #1817539
Bobby Garmon - MLO #1641910
Correen Marsh - MLO #1446392
James Perkins - MLO #684616
James Wood - MLO #684620
Kevin Garrison - MLO #684612
Kim Crawley - MLO #939282
Monica Hoch - MLO #2443666
Randall Grooms - MLO #684613
Sam Mejorado, Jr. - MLO #584118
Samantha Marika Reed - MLO #2129961
Silvia Trejo - MLO #1658482
Tamara Bourque - MLO #939287
Thomas Brent Taylor - MLO #2098740


Amanda Gray - MLO # 939285
Charles Hassell - MLO # 684615
Megan Elliott - MLO # 2419148


Chris Sidnell - MLO # 684618
Kim Luna - MLO # 684619
Murphey Gayler - MLO # 1010285
Ruben Carmona - MLO # 715297
Teresa Solis - MLO # 1771449

Download NMLS MLO List

Citizens 1st Bank NMLS ID#657618

About Us

Locally Owned and Operated Since 1920

We have branches located in Tyler, Nacogdoches, Rusk and Jacksonville to serve you. We have been a Bauer 5-star Rated Institution for over 130 consecutive quarters.

Local Decisions
Knowledgeable Staff
Mobile Deposit
Mobile App
Our institution is rated 5-stars by Bauer                                                                                            

                  Equal Housing Lender             Member FDIC

© Citizens 1st Bank.  All Rights Reserved.