Personal Banking
Mortgage Loans
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Mortgage Loans

Owning your own home is one of the most important investments you will make during your lifetime. We at Citizens National Bank understand that importance and want to make your mortgage experience a positive one. We offer many products to suit your needs.

New: We're excited about our enhanced selection of Financial Calculators that can help you with questions like if now may be the right time to refinance your home, how much payment can you afford or if now is the right time to consolidate your loans.

»Once you're ready, download our application or you can Apply Online

Loan Programs

  • Zero Down Payment Loans
    You can now make owning your own home a reality with no money down! We can finance 100% of your mortgage with the participation of the USDA Guaranteed Rural Housing Service.
  • Low Down Payment
    We have many low, down payment options to choose from.
  • Fixed Rate Mortgages
    The most popular way to finance your home. We offer a variety of long-term repayment loans for purchasing or refinancing your home.
  • Vacant Land Mortgages
    Talk to one of our mortgage experts about how you can finance vacant land and make your up north dream a reality.
  • Construction Loans
    Have you been planning and saving so you could one day build your dream home?
  • Home Equity Loans
    Use the equity you have in your home to qualify for cash!
  • Jumbo Mortgage Loans
    We have Jumbo Mortgages available for just that type of luxury living, for $417,000.00 and greater. Your dream home just became a reality with a Jumbo Mortgage through Citizens National Bank.

Please contact one of our Mortgage Experts for additional information or questions. If you are interested in applying now, you can use our online mortgage application and get started today. If you prefer, you can download the documents instead.

Citizens National Bank

NMLS ID:  417225

Mortgage Loan Originators

Quinn Bonnett - NMLS ID: 925174

Sharon L. Coppernoll - NMLS ID: 514722

Nicole M. Drake - NMLS ID: 685510

Victoria J. Hand - NMLS ID: 685502

Bridget Brown- NMLS ID: 1267684

Darren M. Selden - NMLS ID: 685509

Kathy Johnson - NMLS ID: 1120918

Joseph M. Daly-NMLS ID: 906651


Stephen J. Crusoe - NMLS ID: 514716

Cyril S. Drier - NMLS ID: 685507

Matthew E. Keene - NMLS ID: 528120

Michelle Miller - NMLS ID: 972032

Amanda Nicholson - NMLS ID: 1226897

Andrew C. Martin- NMLS ID: 1486786

Kelly L. Leist - NMLS ID: 1369700