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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.

831.345.3136 Direct
831.515.5311 Fax
NMLS ID #255144

Meet KarenMeet Karen
Home Loan Consultant

Karen Shipley is a longtime Santa Cruz resident and an expert in the home loan industry. She has worked as a full-time mortgage lender since 2003, most recently at Chase and David Lyng. Her depth of experience in the real estate industry spans more than 25 years.

“Every member’s situation is unique, and I enjoy figuring out how to help each and every one!” Karen says.

Karen is an active member of the Scotts Valley Lions Club and frequently volunteers at her children’s schools. She holds a Bachelor of Science in Economics from Cal Poly-San Luis Obispo.

831.477.8483 Direct
831.515.5311 Fax
NMLS ID #236899

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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