Personal Loans

Citizens Bank of Edmond offers a variety of financing options for unexpected expenses. Our lending team can customize a loan that fits your needs. We offer flexible terms with competitive rates.

Borrowing money using your Citizens Bank of Edmond Certificates of Deposit or Savings Account as collateral is smart and easy! Securing your loan with your deposits allows you earn interest on your deposits without disturbing your investment and borrow money at a favorable interest rate.

For your convenience you can complete an application online and either fax it to us or print it and bring it in to any of our banks, and we will get to work for you today!

Contact any of our banks for more information.

Click here for an Online Application!

Our Financial Calculator will allow you to quickly examine interest rates and estimate monthly mortgage payments.

Auto Loans

Whether you are buying your dream car or simply buying your child a car for college, we want to help. Citizens Bank of Edmond makes it easy for you to buy a new or used automobile. We offer flexible repayment terms to fit your budget. Interest rates and length of loan depend upon model year of the car. We promise prompt personalized service so you can drive that new car soon.

We Offer:

  • Pre-approval - This makes car shopping easy!
  • Competitive interest rates and terms
  • No early repayment penalties
  • Payments auto-debited from your account

For your convenience, you can complete an application online and either fax it to us or print it and bring it in to one of our banks and we will get to work for you today!

Contact any of our banks for more information.

Click Here for an Online Application!

Construction Loans

We offer construction loans at competitive rates to make constructing a new home simple. Please contact us for more information.

Home Equity Loans

Citizens Bank of Edmond has both Home Equity Credit Lines and Home Equity Loans available. If you own your own home you might want to consider using the equity to secure the loan to pay for home improvements, a wedding, a new automobile or even college tuition. You can also transfer existing debt with higher interest rates to a Home Equity Loan or Home Equity Line of Credit.

Generally, the interest of a home equity loan or line of credit up to $100,000 with a maximum loan-to value ratio of 100%, is tax deductible. You should consult with your accountant regarding your specific tax situation.

A Home Equity Loan also uses your home as the collateral, but this loan generally has a fixed interest rate (the rate may change if the term of the loan is greater than 3 years), therefore your payments remain constant.

The loan amount will depend on equity in your home (appraised value - existing mortgage = equity) and your ability to service the monthly payment. Citizens offers competitive interest rates and fees and we can usually have the loan documents ready in one week!

TO APPLY: Call one of our Personal Loan Officers, or come by any bank to pick up an application. It is easy to get started using the equity in your home!

Our Financial Calculator will allow you to quickly examine interest rates and estimate monthly mortgage payments.


Mortgage Lending Officers

Information pertaining to our Mortgage Loan Officers may be found on the National Mortgage Lending System (NMLS) website.

Debbie Hamm
Debbie Hamm

NMLS # 1389270
405-715-5195
dhamm@citizensedmond.com


Jason Bell
Jason Bell

NMLS # 424155
405-715-5133
jbell@citizensedmond.com


Jeff Odom
Jeff Odom

NMLS # 586904
405-715-5136
jodom@citizensedmond.com


Jill Castilla
Jill Castilla

NMLS # 930669
405-715-5134
jcastilla@citizensedmond.com


Ralph Fredrickson
Ralph Fredrickson

NMLS # 1041146
405-715-5131
rfredrickson@citizensedmond.com

Fawn Sachleben
Fawn Sachleben

NMLS # 492743
405-715-5152
fsachleben@citizensedmond.com


Andrew Haralson
Andrew Haralson

NMLS #1161765
405-715-5142
aharalson@citizensedmond.com

Click here to learn about our Customer Identification Program.

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