Really good people can help you get a really great loan
Meet Curtis
Mortgage Lenders
Meet Amanda Heiner
Direct line: 715-847-4107
Cell: 715.370.9833
Cell: 715.370.9833
“Negotiating the paperwork and requirements to get a mortgage can be tricky—especially for first-time homebuyers,” said Heiner. “My experience here at Peoples as a senior mortgage processor and my other banking experience provides the background needed to help our customers through the maze of paperwork.”
Heiner joined Peoples as a senior mortgage processor in October 2021 with more than 14 years of banking experience.
“Amanda’s experience at Peoples and throughout her career points to an attention to detail and natural problem-solving skills,” said Curtis McElhaney, Peoples State Bank vice president, mortgage. “Customers will find Amanda focused on them and their needs creating a great experience while they make decisions on what is likely the largest purchase they’ll ever make.”
NMLS# 523709
Meet Bryan Wulk
Direct line: 715.847.4071
Cell: 715.370.9860
Cell: 715.370.9860
“I’m thrilled to help customers interested in purchasing or refinancing a home through Peoples State Bank,” said Wulk. “My goal as a mortgage lender has always been to make the home-buying process as easy as possible for my customers.”
Wulk joined Peoples in 2022 with 19 years of experience as a mortgage lender, along with an additional six years of experience in retail banking.
“Bryan’s experience helping home buyers in central Wisconsin is a big asset,” said Curtis McElhaney, Peoples State Bank vice president, mortgage. “I know Bryan will be a significant addition to our mortgage team.”
Wulk assists customers in obtaining financing to purchase a home, refinance an existing mortgage, or set up a construction loan while building their dream home.
NMLS# 285738
Meet Todd Schultz
Direct line: 715.847.4102
Cell: 715.370.9496
Cell: 715.370.9496
Put Todd Schultz and his more than 20 years of mortgage lending experience to work for you as you look to purchase your dream home or refinance your current house. Todd will work hard to help you understand the home loan process, how your credit score can impact your loan, and coach you through the steps in the process. He’s proud of helping satisfied customers improve their credit scores and obtain the home loan financing needed to get them into their dream home. Todd says communication is critical throughout the lending process and is ready and able to take your calls or questions. Todd is an ambassador for the Marshfield Chamber of Commerce and enjoys all that Wisconsin outdoors offer, including a drive to our Weston location where he’ll service your home loan application.
“Todd brings a wealth of experience to our top-notch lending team,” said Jeffrey Saxton, Peoples State Bank vice president – mortgage lending. “His reputation as a hard-working mortgage lender made him an easy choice to add to our team, which in turn should provide potential customers the motivation to choose Peoples for their mortgage or refinance.”
NMLS# 642092
Meet Tori Dunlap
Direct line: 715-337-2614
Cell: 715.522.0207
Cell: 715.522.0207
Tori Dunlap is ready to help you with the intricacies of purchasing or refinancing your dream home. Tori will put her banking experience to work for you. She’ll work to get you the best rate possible and ensure all the documents are filled out correctly so that when it comes time to sign your name, it will go smoothly throughout. Tori has broad banking experience, serving both as a personal banker and customer service representative, including assisting customers with home equity lines of credit. She was promoted to Eagle River branch manager in 2020 and named successor to long-time mortgage lender Val Dreger, who retired at the end of 2020.
“Tori brings a fresh perspective to mortgage lending,” said Jeffrey Saxton, Peoples State Bank vice president – retail group leader. “She’s passionate about helping buyers realize their homeownership dreams and helping current homeowners reduce their payments through refinancing.”
NMLS# 1883066
Meet Tim Sanderson
Direct line: 715.439.4972
Cell: 715.891.3583
Cell: 715.891.3583
Tim has more than 30-years’ experience in the mortgage industry, more than half of that with Peoples. After receiving an undergraduate degree from UW-Whitewater, Tim also graduated from the Wisconsin Bankers Association Mortgage Lending School. Tim says helping customers find the dream home they’ve always wanted gives him great satisfaction. Tim is based in our Minocqua location, and says the market for homes—including vacation homes in the Northwoods—dictates getting pre-approved to be able to move quickly when the right home is put on the market. Aside from helping customers finance their homes, Tim is a member of the Lakeland Rotary Club, Headwaters Builders Association, and the Northwoods Chapter of Muskies, Inc.
"Tim was extremely helpful to work with and responded expeditiously to all our questions. It was our first mortgage and time was of the essence. Tim expedited the paperwork and did an excellent job of explaining the details. I would highly recommend working with Peoples and, more specifically, Tim."
~ Kathy Endter, Arbor Vitae
NMLS# 412971
Meet Ericka Eckardt
Direct line: 715.420.2122
Cell: 715.370.8784
Cell: 715.370.8784
“Peoples has a great reputation helping customers with mortgage loans and financing their dream homes,” said Eckardt. “I'm happy to be part of the bank's northern market mortgage team, providing responsive mortgage lending to anyone looking to buy their first...or fifth home.”
Eckardt joined Peoples in 2023 with two years of experience as a mortgage lender, along with an additional eight and a half years of experience in retail banking.
“Ericka’s experience helping families finance their homes in the Rhinelander area is a big benefit to anyone looking for a home in Wisconsin's Northwoods,” said Curtis McElhaney, Peoples State Bank vice president, mortgage.
Eckardt is a Rhinelander native, and knows the Northwoods real estate market and home financing and will put that knowledge to work for you in purchasing your dream home.
NMLS# 1543851
Meet Kenneth Kilman
Direct line: 262.259.1540
Cell: 262.289.8829
Cell: 262.289.8829
Ken Kilman has more than ten years of mortgage lending experience in the Milwaukee area, and will put that experience to work for you as you look to purchase your dream home or refinance your current mortgage. Ken will work hard to help you understand the home loan process, how your credit score can impact your loan, and coach you through the steps in the process.
“Ken brings a wealth of mortgage and financial experience to Peoples,” said Curtis McElhaney, vice president, mortgage loan manager. “His experience will prove beneficial to our mortgage customers and to our mortgage team throughout the bank.”
Ken is excited to work with Peoples customers, offering the best solution based on their needs, and what might work best for them from the variety of mortgage loan products offered by Peoples.
NMLS# 248167
Meet Alicia Ramirez
Direct line: 414.485.6422
Cell: 414.690.1049
Cell: 414.690.1049
“Peoples has a great reputation helping customers with mortgage loans and financing their dream homes,” said Ramirez. “I’m excited to work with Ken Kilman in our Waukesha branch, who has grown the Peoples mortgage business in southeastern Wisconsin.”
Ramirez joined Peoples with two years of experience as a mortgage lender, along with an additional sixteen years of experience in retail banking.
“Alicia’s passion for helping families finance their homes in the Milwaukee area aligns perfectly with the Bank’s mission in southeast Wisconsin,” said Curtis McElhaney, Peoples State Bank vice president, mortgage. “We’re thrilled to have Alicia on our team, as she is very active in the communities we serve.”
Ramirez assists customers in obtaining financing to purchase a home, refinance an existing mortgage, or set up a construction loan while building their dream home.
NMLS# 410967
Learn about Peoples State Bank
Direct line: 888.929.9902
When you apply for a mortgage at Peoples State Bank, you get more than just competitive rates and a large choice of loans. You also benefit from working with a team that brings years of lending experience and a lot of valuable knowledge to the table. They take a personal interest in each application and take pride in helping families in Wisconsin and beyond obtain the type of mortgage that best suits their lifestyles.
NMLS# 411594
Meet Curtis McElhaney
Direct line: 715.847.4903
Cell: 715.212.6592
Cell: 715.212.6592
Curtis leads the Peoples mortgage team, providing direction on creative and custom solutions that address all your needs quickly and effectively. With more than 10 years of mortgage lending/sales management experience, Curtis is happy for every customer who finds their dream home. He stays informed of current industry news and trends, providing the most up-to-date information and lending solutions to our mortgage team, so they can provide you with financial solutions that make sense for you.
“Curtis brings a wealth of mortgage and financial experience to Peoples,” said Jeffrey Saxton, Vice President, retail group leader. “He’s managed large mortgage teams, and that experience will prove beneficial to directing our mortgage team and in working with other teams throughout the bank.”
In addition to working directly with the mortgage lenders, McElhaney works with the loan processing and operations teams to find efficiencies and leverage Peoples’ technology platforms to create a great customer experience throughout the mortgage process.
NMLS# 400617