Meet Your Home Lending Team

Corporate NMLS# 772412


Amy Schmoldt

Assistant Vice President of Retail Lending

NMLS# 457083

1700 S. Silverbrook Drive

West Bend, WI 53095

262.247.2837

Email Amy


Amy’s Vision

I provide home lending and banking solutions to my clients with creativity, flair, and service second to none.



Linda Chesak

Assistant Vice President of Retail Lending

NMLS# 523660

W61N301 Washington Ave

Cedarburg, WI 53012

262.483.8595

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Linda’s Vision

I enjoy assisting clients with great customer service and helping clients obtain keys to their new home through conventional or government programs for first time buyers or previous owners including second homes.


Wendy Conto 

Vice President of Mortgage Lending

NMLS#715722

4706 S Taylor Drive

Sheboygan, WI 53081

920.395.7416

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Wendy’s Vision

With my long history of experience and knowledge and my client’s determination and desire, together we can achieve one of America’s true dreams of home ownership.


Darlene M. Emmer 

Assistant Vice President of Retail Lending

NMLS# 400583

D. Emmer Photo

W61N301 Washington Ave

Cedarburg, WI 53012

414.507.6474

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Darlene’s Vision

My goal is to create a comfortable and stress free atmosphere throughout the entire loan process for my clients while meeting their financial needs now and at each stage of their life.


John Braovac

Assistant Vice President of Retail Lending

NMLS# 1493840

12960 W. Bluemound Rd.

Elm Grove, WI 53122

262.317.7284

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John’s Vision

I am committed to delivering an exceptional experience by making sure to find clients the best home loan program and guide them through the loan process. A referral is the best compliment you can give me.


Tracey Keyes 

Vice President of Retail Lending

NMLS# 280468

A Commerce State Bank employee that assists in Retail Lending smiling in photo.

1700 S. Silverbrook Drive

West Bend, WI 53095

262.247.2833

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Tracey’s Vision

Our Retail Lending Department creates a positive and educational financial experience for our clients. With the use of technology and loan program options, our experienced Mortgage Lenders can make a purchase or refinancing transaction a relationship building experience.


Janet L. Foss

Vice President Mortgage Operations

NMLS# 699323

1700 S. Silverbrook Drive

West Bend, WI 53095

262.247.2843

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Janet’s Vision

The home lending process can be scary and I strive to make it seamless and easy to reach your goals!