Meet Our Team

You're more than just a number and your homeownership dreams aren't cookie-cutter to us. We're here to pair you with the perfect mortgage to meet your goals.

Apply NowContact Us

Meet Our PA and NY Mortgage Lenders


Brenda Whiteley

Brenda Whiteley is a Mortgage Loan Sales Officer at Citizens & Northern Bank covering Sullivan County and surrounding areas. She has 25 years of banking experience with C&N with 20 of those years in Lending. She has certificates in several Banking Courses. Brenda's office is in our Dushore Branch located at 111 Main Street, Dushore, PA 18614.

If you would like to contact Brenda with any questions about a Mortgage or would like to set up an appointment, you can call her at 570-928-8125 or send an email.

MLO #582821

Kelly Fasse is a Mortgage Loan Sales Officer at Citizens & Northern Bank covering Tioga and Chemung Counties. She has 24 years of banking experience with C&N. Kelly's office is in our Mansfield Branch located at 1085 South Main Street, Mansfield, PA 16933.

Kelly attended Pennsylvania College of Technology and she holds several banking diplomas from the American Bankers Association. She is also active in the Mansfield Chamber of Commerce.

Kelly and her husband, Tony, reside in the Mansfield area with three children.

If you would like to contact Kelly with any questions about a Mortgage or would like to set up an appointment, you can call her at 570-662-3899 or send an email.

MLO # 582800

Linda Gordner is a Mortgage Loan Sales Officer at Citizens & Northern Bank, covering Lycoming and surrounding Counties. She has 40 years of banking experience including 13 years with C&N. Linda's office is in our Muncy Branch located at 3461 Route 405, Muncy, PA 17756.

Linda attended the Central Atlantic School of Banking and the Central Atlantic Advanced School of Banking and Commercial Lending. For the past 30 years, she has served as the Pine Township secretary.

Linda and her husband, Roger, reside in the Millville area and have one son.

If you would like to contact Linda with any questions about a Mortgage or would like to set up an appointment, you can call her at 570-546-2753 or send an email.

MLO #582793

Stacey Sickler is the Mortgage Lending Team Leader at Citizens & Northern Bank. Stacey has been in Mortgage Lending for 18 years including 13 with C&N. She is responsible for originating residential mortgages, including purchase, refinance, new construction and land financing, in Bradford County, PA and the Southern Tier of NY. Stacey's office is in our Sayre Branch located at 1827 Elmira Street, Sayre, PA 18840.

She holds her BS Degree in Business Administration and Finance from Susquehanna University and is a graduate of the Advanced School of Banking at Bucknell University. She is also a graduate of the NY Penn Leadership Program. Active in her community, Stacey is treasurer of the Spalding Memorial Library and a member of the Choices Program and her children’s school PTG.

Stacey and her husband, David, have two children and live in the Athens area.

"There is nothing more gratifying than helping people realize the dream of homeownership. It's an exciting time for them and I feel fortunate to be a part of it."

If you would like to contact Stacey with any questions about a Mortgage or would like to set up an appointment, you can call her at 570-888-3261 or send an email.

MLO #583303

Michelle Rae is a Mortgage Loan Sales Officer at Citizens & Northern Bank covering Bradford County. She had 19 years of experience in a similar capacity prior to joining C&N's Lending Team in 2012. Michelle's office is in our Towanda Branch located at 428 Main Street, Towanda, PA 18848.

Michelle has her Bachelors Degree in Business with Minors in Communications and Human Resources. She serves as a Board member of the NY Penn Leadership Program and is the Treasurer on the Board for the Sayre Junior Redskins Football League.

Michelle and her husband, Mark, reside in the Sayre area with two children.

If you would like to contact Michelle with any questions about a Mortgage or would like to set up an appointment, you can call her at 570-268-3034 or send an email.

MLO #145697

Kathi Heimbach is a Business Development Sales Officer at Citizens & Northern Bank covering Bradford and Tioga Counties. She has 26 years of banking experience with C&N. Kathi's office is in our Troy Branch located at 64 Elmira Street, Troy, PA 16947.

Kathi received her certificate from the PBA School of Banking in 2009. She has been involved in Lending since January of 2009, specializing in Mortgage and Small Business Lending.

She grew up on a dairy farm and owns an operating farm, so she can to identify with the small business pressures to be successful in rural PA. She works with customers that can include a mix of wage income, business income and property types. She enjoys being able to work with a variety of requests.

If you would like to contact Kathi with any questions about a Mortgage or would like to set up an appointment, you can call her at 570-297-2426 or send an email.

MLO #582797

Todd Coolidge is a Mortgage Loan Sales Officer at Citizens & Northern Bank covering Tioga and Potter Counties. He has 12 years of banking experience with C&N. Todd's office is in our Wellsboro Branch located at 90-92 Main Street, Wellsboro, PA 16901.

Todd attended Susquehanna University. He is active in the Adopt a Highway Program and serves on the Tyoga Country Club Board of Directors.

Todd and his wife, Melissa, reside in the Wellsboro area with three children.

If you would like to contact Todd with any questions about a Mortgage or would like to set up an appointment, you can call him at 570-724-0212 or send an email

MLO #582783

Kim Whiting is a Mortgage Loan Sales Officer at Citizens & Northern Bank covering Cameron County and surrounding areas. She has 19 years with C&N and most recently served as the Community Office Manager for our Emporium Branch. Kim's office is located at 135 East Fourth Street, Emporium, PA 15834.

Kim graduated from I.U.P. Academy of Culinary Arts and was also a Graduate of Pennsylvania Bankers Association School of Banking and Advanced School of Banking. She currently is a board member of the Cameron County Chamber and the Cameron County Industrial Development Authority/Industrial Planning Corporation. She is also a member of the Emporium Rotary Club and the Vice President of the BAGUBA Wrestling Booster Club. Kim is also an Auditor for the County of Cameron.

Kim has two children, Breanna and Jared, and she resides in the Emporium area.

If you would like to contact Kim with any questions about a Mortgage or would like to set up an appointment, you can call her at (814) 486-1113 or send an email.

MLO #582822

With 14 years of lending and industry experience, Karen has strong ties to the region, which are most evident in her extensive professional and academic accomplishments. With a Bachelor’s degree from Pennsylvania State University, Karen began her career at a local finance company where she spent five years building a valuable foundation of industry knowledge. She expanded upon that foundation as a mortgage consultant at two local banks, First National Bank of Pennsylvania and Jersey Shore State Bank, where she spent 7 years and 2 years respectively. As a mortgage specialist with C&N, Karen takes pride in the strong, long-lasting relationships she creates with her clients.
 
Karen serves Lycoming, Clinton and Centre counties and is vested in her community as a member of the Kiwanis Club of Williamsport. She resides in Hughesville and enjoys spending time with her husband and her 3 children.
 

If you would like to contact Karen with any questions about a Mortgage or would like to set up an appointment, you can call her at (570) 601-3017 or send an email.

MLO #792060

Rachel-Bowers-200x306.jpgRachel Bowers is a Mortgage Loan Sales Officer at Citizens & Northern Bank covering Bradford County. She joined C&N in May of 2013, transitioning to her current position in November of 2015. Rachel’s office is in our Sayre Branch located at 1827 Elmira Street, Sayre, PA 18840.

Rachel’s drive and ambition has given her several opportunities to garner success at her position. She earned her B.S. in Business Management and a Minor in Information Systems Management from Pennsylvania State University in 2013. She joined Citizens & Northern Bank upon graduating and went through the C&N Credit Trainee Program where she spent time learning all aspects of lending, giving her valuable industry experience.

Very active in her community, she is a member of the Sayre Rotary Club as well as the Team Captain for her local Relay for Life team. She also spends time doing community service for the Salvation Army.

If you would like to contact Rachel with any questions about a Mortgage or would like to set up an appointment, you can call her at (570) 886-8420 or send an email.

MLO #1441693