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Mortgage Loan Officers

Our loan officers are flexible, experienced and seriously enjoy creating value for their customers. They respect your busy schedule, working around it day or night and driving anywhere in Massachusetts to meet you face to face. Meet our team and connect - they are available to answer any questions you may have and discuss mortgage options that are right for you.

Rich Bertolucci

Rich Bertolucci

Mortgage Loan Associate | NMLS#: 686854

Rich joined the residential lending team in 2021 and brings more than 15 years of retail banking experience with CSB. Whether you're looking to purchase or refinance, he is dedicated to educating his customers throughout the process to ensure they understand all their options. Connect with Rich to start your journey to home ownership today.

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CSB Mortgage Loan Officer Paul Foley's black-and-white headshot

Paul W. Foley

AVP, Mortgage Loan Officer | NMLS #21344

With over 10 years of experience in the mortgage industry, you can feel confident knowing that Paul will connect you with the mortgage loan that fits your needs. Paul believes in providing his customers with personalized service. He works closely with his customers to ensure that they understand all of their financing options. Paul looks forward to working with you on your next purchase.

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Mortgage Loan Officer Karen Freeman's black-and-white headshot

Karen Freeman

AVP, Mortgage Loan Officer | NMLS #:1058716

Karen has over 14 years of experience helping customers find the mortgage loan that is right for them. She has the knowledge and the connections to make sure that your next home loan is easy and the process is as smooth as possible.


  • Lexington and Arlington Chambers of Commerce
  • Boston Area Investors Group
  • Black Diamond Real Estate Investors
  • Women’ s Council of Realtors–Affiliate of the Year, Treasurer Board of Directors–2 Years, State President–2007
  • Worcester Board of Realtors–Affiliate of the Year
  • Boston Women’s Network
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mortgage loan officer Rick Garber black and white headshot

Rick Garber

VP, Mortgage Loan Officer | NMLS #: 686871

With over 20 years of experience in residential mortgage lending, Rick has the knowledge and experience to secure your next mortgage with confidence and trust. He will work with you to find the right solution to meet your individual needs.

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CSB Mortgage Loan Officer Lynn Harvey's black-and-white headshot

Lynn Harvey

AVP, Mortgage Loan Officer | NMLS#: 686870

Lynn has over 28 years of experience in the mortgage business and is ready to help you with your next purchase. Whether it’s your first home or an investment property, she is ready to help you achieve your financial goals through home ownership. Contact Lynn today to find the mortgage that fits your needs.

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CSB Mortgage Loan Officer Michael Horrigan's black-and-white headshot

Michael Horrigan

VP, Mortgage Loan Officer | NMLS#: 686873

With over 20 years of residential lending experience, Michael’s knowledge spans from single family homes to investment properties and he has a commitment to providing exceptional customer service. Whether you are looking to purchase or refinance, Michael can help to find the mortgage loan option that is right for you.

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mortgage loan officer Conroy Jackson black and white headshot

Conroy Jackson

Mortgage Loan Officer | NMLS#: 185902

Conroy has 9 years of experience in residential lending and is dedicated to making sure customers understand all of their mortgage loan options. He has experience across many different mortgage loan types from home purchases to refinances. Conroy is passionate about educating customers through each step of the mortgage process to get them into a home on their terms. Find out how Conroy can connect you with a mortgage loan that fits your needs.

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CSB Senior Loan Officer Matthew Longo's black-and-white headshot

Matthew Longo

Mortgage Loan Officer | NMLS#: 38782

Matthew is a mortgage industry veteran with 22 years of experience and counting. He believes building relationships with customers is a key ingredient in creating a positive and successful loan experience. Matthew will be with you every step of the way as you start your mortgage journey whether you are a first-time home buyer or looking for an investment property. Find out how Matthew can help you with your next home loan.

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CSB mortgage expert Vivian Meranda's black-and-white headshot

Vivian Meranda

Mortgage Loan Officer | NMLS#: 35377

Vivian has been in the mortgage industry for over 18 years. Throughout her career, she has worked with customers to find the best loan solution to meet their needs. Whether you are looking to purchase or refinance, Vivian is experienced and ready to get you into your dream home. Connect with Vivian today to start your mortgage journey.

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Mortgage professional and loan expert Trip Miller's black-and-white headshot

Trip Miller

First Vice President | Loan Origination Manager | NMLS#: 413467

Trip joined CSB in 2018 as our head of mortgage origination. He has over 20 years of experience in residential lending across a broad range of products and programs – from first time home buyers programs to construction loans. Customer experience is his number one priority and his team gets the complexities and nuances that can come with buying a home.

He is a graduate of the University of Colorado at Boulder and has his Bachelor's Degree in Finance and Accounting. In his free time, Trip enjoys spending time with his family at their antique home in Pembroke, Massachusetts.

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CSB Mortgage Loan Officer Mark Newell's black-and-white headshot

Mark Newell

Mortgage Loan Officer | NMLS#: 50314

With over 20 years of experience, you can feel assured that Mark will be there to guide you through the home buying process every step of the way. His expertise ranges from first-time home buyers to commercial properties. He works with his customers to ensure they understand all of their financing options to find the solution that best meets their needs. Connect with Mark to start your journey today.

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mortgage loan officer Rugo Santini black and white headshot

Rugo Santini

Mortgage Loan Officer

NMLS #: 887907

Rugo has 8 years of experience in mortgage lending and is a strong believer in building relationships and providing outstanding customer service. He believes in taking the time to walk customers through each step so that they understand the home buying process. Let Rugo help you find the right mortgage loan for your needs.

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Mortgage Loan Officer Niels Sokol's black-and-white headshot

Niels Sokol

AVP, Mortgage Loan Officer | NMLS#: 686876

With over 30 years of experience in mortgage lending, Niels is an expert at finding the right mortgage loan to fit your needs. Niels aims to build long-term relationships with each customer. Contact Niels today to start your mortgage process.


  • Cambridge Chamber of Commerce
  • Kendall Square Association
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Cambridge Savings Mortgage Loan Officer Leonard Tocci's black-and-white headshot

Leonard Tocci

Mortgage Loan Officer | NMLS #: 843814

Leonard has over 34 years of experience in all areas of mortgage lending. His vast experience provides a unique advantage to all of the clients he works with. His philosophy is to always provide education to his customers and to act as a resource so that together, they can find the mortgage loan option that works best for them. Everyone from real estate agents to builders to customers loves to work with Leonard because of the personal attention and service that he provides with each and every mortgage that he does. Contact Leonard today to find out how he can help you get into your dream home.

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Aurea Vera

Aurea Vera 

Mortgage Loan Officer

NMLS# 113747

Aurea has over 30 years of experience in the mortgage industry with product knowledge ranging from home purchases to refinances. Whether you are a first time home buyer or looking to refinance, she approaches each loan with a fresh perspective and is dedicated to finding the best solution to meet your unique needs. Aurea will be with you every step of the way, supporting you until the keys are in your hands. Connect with Aurea today to start your journey.

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