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If you would like a Bay Federal Home Loan Consultant to contact you, please complete and submit the following information. Please know we can only assist with home purchases or refinances in the state of California.

Yesenia AlvarezMeet Yesenia
Home Loan Consultant

Yesenia Alvarez is our bilingual Home Loan Consultant, and has spent her entire life in Santa Cruz County. Yesenia began her career as a Loan Coordinator, Junior Loan Officer, and Loan Officer prior to joining the team at Bay Federal in 2015.

Her goal of “helping our members understand their mortgages and save money” is evidenced in her personalized service.

Yesenia holds a B.S. in Business Administration from San Jose State University and resides in Watsonville with her husband and two children.

831.477.8527 Direct
831.515.5311 Fax
NMLS ID #633063

David TorresMeet David
Home Loan Consultant

David Torres was born and raised in Santa Cruz, and joined Bay Federal Credit Union as a Home Loan Consultant in August, 2014. Prior to joining the Credit Union, David had served as a mortgage banker at Chase Bank and Stonegate Mortgage.

“My goal is to provide a great home loan experience for our members,” he says.

David holds a B.A. in Economics from San Jose State University and lives in Santa Cruz with his wife, daughter, and son.

831.477.8696 Direct
831.515.5311 Fax
NMLS ID #667695


Randi LeBlancMeet Randi
Home Loan Consultant

Randi LeBlanc has extensive knowledge of the local real estate industry and enjoys providing exceptional service to our members. Prior to joining Bay Federal, she accumulated 19 years of experience at mortgage companies, including Aptos Mortgage, Santa Cruz Financial, and Chase Bank.

“I love meeting new people and helping them get into the homes of their dreams. My favorite part of this job is the customer service aspect,” she said.

Originally from the East Coast, Randi has spent her adult life in Santa Cruz County, where she and her husband of 25 years have raised their son.

831.477.8415 Direct
831.515.5311 Fax
NMLS ID #255144

Patrick Beaver, Home Loan ConsultantMeet Patrick
Home Loan Consultant

Patrick Beaver has made lending his career for the better part of the past decade. He came to Bay Federal in 2009, starting as a teller, and worked his way up to a Home Loan Consultant.

“I make an effort to know the products we offer inside and out so I can best help our members,” Patrick says.

Patrick has a reputation as a good listener, and he is highly regarded as a resource among his peers. He frequently garners recognition from those he helps through the home buying process. Patrick is an Aptos High alum who enjoys surfing and building sand castles with his daughter, Kaylee.

831.477.8576 Direct
831.515.5311 Fax
NMLS ID #907721

Get Pre-Approved Today’s Rates Returning Applicants

Bay Federal Credit Union is registered with the Nationwide Mortgage Lending System (NMLS).
Bay Federal Credit Union ID #403635.

Bay Federal Credit Union's individual Home Loan Consultants are also registered through NMLS.

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