Our Mortgage Team
Our knowledgeable Mortgage Team is readily available to answer any questions you may have and ease your concerns as you go through your Mortgage Process. We want to make sure you're getting the best possible Mortgage to meet all your needs, so give us a call or stop in to one of our branches to meet with us in person! We can't wait to get started.
Chris Williams joined Circle Federal Credit Union in 2019 as a Mortgage Loan Originator. Her extensive experience in the banking industry along with 9 years of experience as a realtor and 15 years as an escrow officer provides her with a unique perspective and skills as a mortgage originator. Her focus on every transaction is to provide the highest level of customer service and to ensure that the borrower is completely comfortable throughout the process. Whether you're interested in purchasing your first home or refinancing your current one, Chris can help you with your mortgage experience.
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Denise Gorman, Mortgage Department Manager
Hired in 2015 as Senior Processor and promoted to her current position in 2019, Denise brings extensive experience in both banking and real estate. She began her career in real estate in 2000 as an office manager for a local firm, before transitioning to the title industry, where she spent 10 years as a lead processor with a local title company. Prior to joining the team, she also held roles with several financial institutions, further strengthening her well-rounded industry expertise.
Carrie Toth, Processor
Carrie joined the team in 2017 as a Junior Processor and has grown within the department, advancing to her current role as a Processor in 2023. Through her years of experience, she has developed strong expertise in loan processing and member service, consistently supporting a smooth and efficient experience for both members and partners.
Kim Ratkay, Post Closing/Servicer
Kim joined the team in 2000 and serves as a Post Closing/Servicer. With over two decades of experience, she brings deep expertise in loan servicing and post-closing processes, ensuring accuracy, compliance, and a seamless experience for members long after closing. Her longstanding commitment and attention to detail play a key role in supporting the organization's high standards of service.
Credit Union NMLS #747642.
