To be the best community bank in Northern Michigan, helping build strong local economies...
Learn more about each of our lenders below by first selecting your preferred branch.
Michelle Miller
Assistant Vice President, Residential Banking
231-627-3850
231-268-1727
NMLS: 972032
I want to apply for...
Michelle has been with Citizens National Bank Indian River location since 2003. She quickly moved through the ranks and was promoted to branch manager in 2016. She is well versed in customer service and is ready to turn your dreams into reality.
Ashley Waldie
Consumer & Residential Banking Officer
231-627-8314
231-445-2575
NMLS: 2057739
I want to apply for...
Whether you're looking to finance a new home, remodel your current one, or purchase a car, camper, or anything in between, Ashley is eager to assist. Don't hesitate to contact Ashley for all of your lending needs.She will work with you to ensure the best possible experience with Citizens National Bank.
Stephen J. Crusoe
Senior Vice President, Residential Banking
231-627-8308
231-420-2566
NMLS: 514716
I want to apply for...
Mortgage Application Checklist
Steve has over 30 years in the mortgage business and all of them with Citizens National Bank. He is your expert mortgage lender and can answer a wide array of questions that you may have. He is here to help and would love to work with you
Ashley Waldie
Consumer & Residential Banking Officer
231-627-8314
231-445-2575
NMLS: 2057739
I want to apply for...
Whether you're looking to finance a new home, remodel your current one, or purchase a car, camper, or anything in between, Ashley is eager to assist. Don't hesitate to contact Ashley for all of your lending needs.She will work with you to ensure the best possible experience with Citizens National Bank.
Sharon Coppernoll
Assistant Vice President, Residential Banking
231-627-8311
231-818-6879
NMLS: 514722
I want to apply for...
Mortgage Application Checklist
Sharon has been with Citizens National Bank since 2002. She has worked in a variety of departments within the bank, finding her speciality is helping customers purcahse their dream home. She is well schooled in all types of mortgages and would be more than happy to assist you with your lending needs.
Ashley Waldie
Consumer & Residential Banking Officer
231-627-8314
231-445-2575
NMLS: 2057739
I want to apply for...
Whether you're looking to finance a new home, remodel your current one, or purchase a car, camper, or anything in between, Ashley is eager to assist. Don't hesitate to contact Ashley for all of your lending needs.She will work with you to ensure the best possible experience with Citizens National Bank.
Michelle Miller
Assistant Vice President, Residential Banking
231-627-3850
231-268-1727
NMLS: 972032
I want to apply for...
Michelle has been with Citizens National Bank Indian River location since 2003. She quickly moved through the ranks and was promoted to branch manager in 2016. She is well versed in customer service and is ready to turn your dreams into reality.
Ashley Waldie
Consumer & Residential Banking Officer
231-627-8314
231-445-2575
NMLS: 2057739
I want to apply for...
Whether you're looking to finance a new home, remodel your current one, or purchase a car, camper, or anything in between, Ashley is eager to assist. Don't hesitate to contact Ashley for all of your lending needs.She will work with you to ensure the best possible experience with Citizens National Bank.
Regina Patton
Assistant Vice President, Residential Banking
231-627-8313
248-202-7092
NMLS: 1520912
I want to apply for...
Regina has been with Citizens National Bank since 2019 and brings with her a wealth of knowledge about the home buying process. Regina would love to work with you ensuring a smooth experience from the initial application to home ownership.
I want to apply for...
Miranda Swanson joined Citizens National Bank in January 2023 as a Universal Banker at our Indian River branch before moving into residential lending at our Petoskey Office. Miranda is ready to help you finance your home, give her a call today!
Ashley Waldie
Consumer & Residential Banking Officer
231-627-8314
231-445-2575
NMLS: 2057739
I want to apply for...
Whether you're looking to finance a new home, remodel your current one, or purchase a car, camper, or anything in between, Ashley is eager to assist. Don't hesitate to contact Ashley for all of your lending needs.She will work with you to ensure the best possible experience with Citizens National Bank.
Michelle Miller
Assistant Vice President, Residential Banking
231-627-3850
231-268-1727
NMLS: 972032
I want to apply for...
Michelle has been with Citizens National Bank Indian River location since 2003. She quickly moved through the ranks and was promoted to branch manager in 2016. She is well versed in customer service and is ready to turn your dreams into reality.
Ashley Waldie
Consumer & Residential Banking Officer
231-627-8314
231-445-2575
NMLS: 2057739
I want to apply for...
Whether you're looking to finance a new home, remodel your current one, or purchase a car, camper, or anything in between, Ashley is eager to assist. Don't hesitate to contact Ashley for all of your lending needs.She will work with you to ensure the best possible experience with Citizens National Bank.
Regina Patton
Assistant Vice President, Residential Banking
231-627-8313
248-202-7092
NMLS: 1520912
I want to apply for...
Regina has been with Citizens National Bank since 2019 and brings with her a wealth of knowledge about the home buying process. Regina would love to work with you ensuring a smooth experience from the initial application to home ownership.
I want to apply for...
Miranda Swanson joined Citizens National Bank in January 2023 as a Universal Banker at our Indian River branch before moving into residential lending at our Petoskey Office. Miranda is ready to help you finance your home, give her a call today!
Ashley Waldie
Consumer & Residential Banking Officer
231-627-8314
231-445-2575
NMLS: 2057739
I want to apply for...
Whether you're looking to finance a new home, remodel your current one, or purchase a car, camper, or anything in between, Ashley is eager to assist. Don't hesitate to contact Ashley for all of your lending needs.She will work with you to ensure the best possible experience with Citizens National Bank.