Mortgage Loans

Few things are as important, or as intimidating, as choosing the right mortgage. At Citizens Bank and Trust, we are here to help. Our experienced and knowledgeable Residential Loan Officers are community minded and customer focused.

Whether you are looking to purchase, refinance an existing mortgage, or build that perfect dream home, we have every tool to make your dream a reality. We offer custom lending products and can provide the loan that meets your specific needs.

Click here to use loan calculators.
Click here for Frequently Asked Questions.

John Adkinson, Vice President and Residential Loan Officer

Contact info: 863-676-7631
John.Adkinson@citizens-bank.com
222 State Road 60 East, Lake Wales, FL 33853

Steve McCullough, Vice President and Residential Loan Officer

Contact info: 863-291-3319
Steve.McCullough@citizens-bank.com
1120 First Street South, Winter Haven, FL 33880

Charlotte Tucker, Vice President and Residential Loan Officer

Contact info: 863-686-1430
Charlotte.Tucker@citizens-bank.com
402 S. Kentucky Avenue, Lakeland, FL 33801