Residential Lending Team

Assistant Vice President and Mortgage Loan Officer Daniel Danillowicz has over 25 years of mortgage lending experience, most recently as Senior Loan Officer with Washington Trust in Glastonbury, CT and as Mortgage Specialist with Farmington Bank in West Hartford. He holds a Bachelor's Degree in Economics from the University of Hartford and resides in Burlington, CT with his family.

Assistant Vice President and Mortgage Loan Officer Kristin Gravanis has been originating mortgages since 2004. Throughout her career, Kristin has been committed to providing an outstanding experience for everyone she works with. From walking her clients through each step of the mortgage process to providing consistent, honest communication from start to finish, she helps them navigate through the mortgage process. Kristin now lives in Wilbraham, MA where she is active in the community and a member of the community service committee of the REALTOR® Association of Pioneer Valley.

Mortgage Loan Officer Michael Laga has been a successful mortgage originator since 1998. He specializes in construction and rehab loans and works diligently to stay in touch with his customers throughout the loan process. Mike is a 1997 graduate of the University of Massachusetts and a former major league baseball player with the Detroit Tigers, St. Louis Cardinals, and San Francisco Giants organizations.

As Retail Lending Sales Manager, Matt is responsible for directing and evaluating the consumer, equity, and residential lending sales activities for the bank. He specializes in developing lending solutions for consumers throughout MA and CT. With over twenty years of experience, Matt is committed to creating a sense of ease and confidence in the process of purchasing a home.

“Helping a customer buy, build, or refinance a home never gets old,” says Matt. “It’s an emotional experience because homes are where memories are made.”

Matt earned a BA from UMASS Amherst and a MSA from Western New England University. He is an active member of the Realtor Association of the Pioneer Valley and the Greater Hartford Association of Realtors. He also serves on the Western Mass Mortgage Review Board.

Joseph is extremely enthusiastic about helping his borrowers reach their financial goals. A passionate learner who is always up for a challenge, he is currently attending Southern New Hampshire College, working towards his bachelors in finance. He is committed to providing the best experience for everyone that he works with.

Vice President and Mortgage Loan Officer Michele Welch has been in the mortgage industry since 1999, spending time in roles covering all aspects of the job. She understands that purchasing a home can be overwhelming, but takes pride in her ability to make it a quick and hassle-free process. Her accolades include being named the 2017 Greater Boston Realtors Association Affiliate of the Year as well as the 2018 & 2020 Realtors Association of Pioneer Valley Affiliate of the Year.

Michele understands the best loan programs for all types of buyers and especially enjoys helping single women obtain homeownership as a Certified Divorce Lending Professional. She is a resident of Springfield, MA, and is an active volunteer with Revitalize CDC, Christina's House, and the Western Mass Food Bank.