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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. 

Alanson & Pellston
Michelle Miller

Michelle Miller

Assistant Vice President, Residential Banking

231-627-3850

231-268-1727

NMLS: 972032

I want to apply for...

Home Mortgage HELOC

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.

Mortgage Application Checklist

Ashley Waldie

Ashley Waldie

Consumer & Residential Banking Officer

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

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.  

Cheboygan Downtown
Stephen J. Crusoe

Stephen J. Crusoe

Senior Vice President, Residential Banking

231-627-8308

231-420-2566

NMLS: 514716

I want to apply for...

Home Mortgage HELOC

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

Ashley Waldie

Consumer & Residential Banking Officer

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

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.  

Cheboygan South
Sharon Coppernoll

Sharon Coppernoll

Assistant Vice President, Residential Banking

231-627-8311

231-818-6879

NMLS: 514722

I want to apply for...

Home Mortgage HELOC

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

Ashley Waldie

Consumer & Residential Banking Officer

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

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.  

Indian River
Michelle Miller

Michelle Miller

Assistant Vice President, Residential Banking

231-627-3850

231-268-1727

NMLS: 972032

I want to apply for...

Home Mortgage HELOC

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.

Mortgage Application Checklist

Ashley Waldie

Ashley Waldie

Consumer & Residential Banking Officer

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

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.  

Mackinaw City
Regina Patton

Regina Patton

Assistant Vice President, Residential Banking

231-627-8313

248-202-7092

NMLS: 1520912

I want to apply for...

Home Mortgage HELOC

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. 

Mortgage Application Check List

Miranda Swanson

Miranda Swanson

Residential Lender

231-238-2404

231-445-0421

NMLS: 2088015

I want to apply for...

Home Mortgage HELOC

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!

Mortgage Application Checklist

Ashley Waldie

Ashley Waldie

Consumer & Residential Banking Officer

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

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.  

Onaway
Michelle Miller

Michelle Miller

Assistant Vice President, Residential Banking

231-627-3850

231-268-1727

NMLS: 972032

I want to apply for...

Home Mortgage HELOC

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.

Mortgage Application Checklist

Ashley Waldie

Ashley Waldie

Consumer & Residential Banking Officer

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

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.  

Petoskey
Regina Patton

Regina Patton

Assistant Vice President, Residential Banking

231-627-8313

248-202-7092

NMLS: 1520912

I want to apply for...

Home Mortgage HELOC

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. 

Mortgage Application Check List

Miranda Swanson

Miranda Swanson

Residential Lender

231-238-2404

231-445-0421

NMLS: 2088015

I want to apply for...

Home Mortgage HELOC

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!

Mortgage Application Checklist

Ashley Waldie

Ashley Waldie

Consumer & Residential Banking Officer

231-627-8314

231-445-2575

NMLS: 2057739

I want to apply for...

Consumer Loan

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.