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Retail Loans

First National Bank Bemidji has been building relationships in our hometown for 115 years

Meet our Personal Retail Loan Specialists who can help you with your personal loan needs including mortgage lending.

Click here for NMLS License Numbers for First National Bank Bemidji Lenders


Deb Jensen

Retail Manager, Loans

NMLS # 413487










Tracy Appel

Retail Loan Officer 

NMLS # 658300


Joanne Daniels

Retail Loan Officer

NMLS # 658307 



Leisha Gregg

Retail Loan Officer

NMLS # 658306




Joan Nelson

Retail Loan Officer

NMLS # 709345



Sandy White

Retail Loan Officer

NMLS # 658301 



Roxann Aabert   Jan Loisel

RoxAnn Aaberg

FNBB Downtown Express Manager and Retail Loan Officer

NMLS # 658308




Jan Loisel

FNBB South Manager

and Retail Loan Officer

NMLS # 658305




Let us help you meet your needs with any of the following loans:

You can fill out our online loan application  and in preparation for your loan discussion use one of our Calculators. It may help you consider various scenarios for a consumer loan or mortgage loan. 

Loan payments may be made through 1st TeleBanc, 1st Net Connection Internet Banking or with preauthorized automatic withdrawals from your checking or savings account.  The automatic withdrawal option qualifies you for a discount on your interest rate.  Advances from approved credit lines may be accessed through 1st TeleBanc as well, Call 218-333-4320 for details.  Apply today.

First National Bank Bemidji offers below market rate home improvement loans for qualifying Minnesota homeowners!  The MHFA (Minnesota Housing Finance Agency) offers The Great Minnesota Fix-up Fund:  Repair, remodel, expand- with a rate as low as 5.99% APR - Annual Percentage Rate - for the life of the loan. This rate is set by MHFA and is subject to change at any time. 

Our Retail Lending Support Staff will work with you to help with the loan process. Please contact one of the bankers below with your retail lending question.

218-333-4320 218-333-4376  

Retail Loan Receptionist




Ashley Nolan Retail Loan Support



218-333-4317 218-333-4335 218-333-4324

Marcy Frenzel

RE Processor





Sara Gast

RE Loan System Administrator





Gail Henne

RE Loan Processor






218-333-4334 218-333-4313 218-333-4319

Marilyn Pemble

RE Loan Processor



Amanda Lofthus

RE Loan Processor



Crystal Schagunn
Retail Loan Support



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