Kristoff Team Members

Nick Kristoff is a loan officer in Hilton Head

Nick Kristoff
Loan Officer
(843) 290-9110
(844) 206-6575 fax

Nick Kristoff is a Mortgage Loan Officer at Citizens Bank, N.A. – Citizens One Home Loans on Hilton Head Island, South Carolina. He is an Eagle Scout, a graduate and Alumni Hall of Fame member of Hilton Head Island High School, and member of the Board of Regents for the Hilton Head Island-Bluffton Chamber of Commerce Leadership Program. Additionally, he currently serves on the executive board for the Mortgage Lenders Association of Hilton Head Island. Nick attended the University of Virginia where he simultaneously earned a Bachelor of Science degree in Systems and Information Engineering and a Bachelor of Arts degree in Economics. He continues to promote higher education among high school students by identifying and awarding top juniors who exemplify the Jeffersonian ideals of scholarship, leadership, and citizenship.

Previously, Nick worked with Mortgage Network, CoastalStates Bank, and SunTrust Mortgage as a mortgage loan officer. In addition, he has experience in mortgage loan operations and servicing.

Nick is a rising star in the mortgage industry evidenced by the dramatic growth of his business over the past 8 years by helping lowcountry residents finance their dream homes. He has extensive knowledge of Jumbo, Construction, Fannie Mae, Freddie Mac, FHA, VA, and USDA Rural Housing mortgages.

Nick, his wife, Austin, former director of guidance at Hilton Head Christian Academy, and their son live in Bluffton, SC.

Mike Kristoff is a loan officer in Hilton Head Island

Mike Kristoff
Loan Officer
(843) 301-7070
(844) 206-6572 fax

Mike Kristoff, a senior Loan Officer at Citizens Bank, N.A. – Citizens One Home Loans has spent the last 24 of his 34 year career helping Hilton Head Island residents secure their home ownership dream. Previously, Mike was with Mortgage Network and CoastalStates Bank where he served as Mortgage Division President.

As a founder of Lighthouse Community Bank, Mike helped build one of the most successful residential mortgage companies that was eventually sold to SunTrust Bank in June, 2003. He continued with SunTrust Mortgage and became one of the company’s national top mortgage producers.

Lighthouse was not Mike’s first successful banking venture. He was also part of the successful management team at Atlantic Savings Bank that was sold to Wachovia in 1991. He managed the mortgage division at Atlantic until starting Lighthouse in July, 1994.

Mike credits his mortgage banking success to having wonderful mentors throughout his career and his father who taught him the character for success. His father’s advice was to always “say what you mean, mean what you say and do what you say you are going to do.” “I’ve taken that advice to heart and have lived by those words throughout my career”, Kristoff said.

A graduate of Leadership Hilton Head, Kristoff has been a staunch advocate for education reform in Beaufort County. He was instrumental in organizing the first charter school in South Carolina.

In addition to his community service, Kristoff donated the land for Bluffton’s post office and library. “This is my home,” he said. “This is where my children have grown up and where I want to be.”

Mike and his wife Patty live in Hilton Head Plantation and have three grown children.

Kristoff Team Awards

2015 President’s Club for top loan production
2015 Customer Service Award Champion