Meet Our Mortgage Team

Kevin Kober

Senior Vice President & Senior Mortgage Lending Officer

NMLS # 1019771
Kevin Kober joined Ledyard National Bank as Senior Vice President and Chief Retail Banking Officer with over 27 years of retail banking experience. He became the Senior Mortgage Lending Officer in March, 2014.

Prior to joining our team, Kevin was Senior Vice President and Manager of Retail Banking at The Connecticut Bank and Trust Company (CBT). In addition to his work at CBT, Kevin worked at Ryan Mortgage Group as Sales Manager and Mortgage Broker, worked for 10 years at TD Banknorth as Vice President and Group Manager and 11 years at Fleet Bank. He is a former board member and Vice President of the Rocky Hill Chamber of Commerce in Connecticut.

Kevin has an associates degree in business management from Greenfield Community College.


Tracey Grzanna

Assistant Vice President & Consumer/Mortgage Loan Credit Manager

NMLS #691189
Tracey Grzanna joined Ledyard National Bank in July of 2013 as the Assistant Vice President and Consumer/Mortgage Loan Credit Manager with over 20 years of residential lending experience. Prior to joining our team, Tracey was employed with Lake Sunapee Bank for over 20 years in the mortgage and compliance areas. Tracey is a graduate of the Northern New England School of Banking. She and her family currently reside in Sunapee, NH.


Allison Childs

Mortgage Loan Originator

NMLS #1022839
Allison Childs joined Ledyard National Bank in 2012. After working as a real estate legal assistant, she spent 13 years in the mortgage industry as a Loan Processor/Loan Coordinator for a local mortgage broker.

Allison graduated in 2011 from Union Institute & University in Brattleboro, VT with a Bachelor of Arts degree. She and her family currently reside in Wilder, VT.


Marcia Davidson

Mortgage Loan Processor

Marcia Davidson joined Ledyard National Bank in December of 2014 as a Mortgage Processor. Prior to joining our team, Marcia worked as a mortgage file auditor for South State Bank in South Carolina.

Originally from this area, Marcia worked at Mascoma Savings Bank for nine years, supervising the Loan Operations Department and working with Secondary Markets.

Marcia has worked in the banking industry for almost 30 years, and has earned multiple diplomas from Northern New England Center for Financial Training, and certifications from several banking schools.


Michelle Fellows

Mortgage/Consumer Loan Underwriter

Mortgage Loan Assistant

NMLS #430076
Michelle Fellows joined Ledyard National Bank’s Lending Department in 1999. In 2001, she became a Consumer Loan Processor. She then advanced to Mortgage Loan Processor in 2003 and became a Commercial Loan Processor/Assistant in 2007. In 2013, Michelle became a Mortgage/Consumer Loan Underwriter and Mortgage Loan Assistant.

Michelle has worked in the banking industry for 25 years and has completed several banking courses in compliance and SBA Processing.


Robin Hodgdon

Mortgage Loan Processor

NMLS #1019851
Robin Hodgdon joined Ledyard in November of 2005 as a Customer Service Representative, working in the Lyme branch. In July of 2010, she was promoted to Client Services Supervisor of the Route 120 branch, where she worked until she moved into the Mortgage Department in March of 2014. During her time at Ledyard, she has completed CFT training courses, compliance courses and on-the-job training within the Mortgage Department.

Robin currently lives with her family in Fairlee, VT.


Pam Towne

Consumer/Mortgage Loan Processor

Pam Towne joined Ledyard National Bank in April 2009 as a Loan Operations Assistant, working in the Operations Department. Her responsibilities included the maintenance of loans, completing credit inquiries and processing monthly loan payments and escrow disbursements. She transitioned to the Mortgage Department in March 2015. Pam has completed courses toward a Loan Operations Certificate, developing an advanced skill level in the field and establishing an education in banking that will prepare her for additional designations recognized by the American Bankers Association.

Prior to joining Ledyard, Pam worked for Citigroup, where she dealt with consumer loans and refinancing of residential mortgages.