Meet Our Dedicated Mortgage Originators

Lori Snyder serves as  Vice President of Lending  for Carthage Savings. With close to 30 years of lending experience and additional certifications in Compliance and Real Estate Law, Lori has the knowledge and experience to help you through the loan process and find the terms right for your budget.  

Whether you’re a first time homebuyer, building your dream home or looking for a change, Lori can help you consider all options so that you can concentrate on making the best decision for your financial future with no stress. 

Contact Lori today at 315-493-3480 to begin your home buying process.

Wendy McLane has been a Lewis County native all her life and has lived in Croghan for the past 26 years. Wendy has over  28 years of banking experience and has just recently joined the Carthage Savings family as Asst. Vice President - Retail Banking Mananger. Wendy prides herself in customer service and the ability to assist a client with any financial needs they may have, including lending needs.  

Wendy is married to her high school sweetheart Bruce, they have two grown children Ashley and Matt along with 2 grandchildren, Jillian and Jackson who they adore.

Wendy is a board member for the International Maple Museum Centre. In her spare time enjoys spending time with her family & friends, going to her camp, watching Nascar races and attending the race at Watkins Glen which she has done with her family for the past 22 years. Wendy is also her son Matt's biggest fan as he has raced at local racetracks in various classes.

Contact Wendy today 315-493-3480.

Heather Gallagher is a native of Carthage and has been affiliated with the Carthage Savings for over 17 years. 

As the branch Manager of the Watertown office, Heather has experience not only in lending but in a variety of areas of the banking industry.   Heather’s education includes an Associate’s Degree in Business Administration which she earned from Jefferson Community College and a Bachelor’s degree in Finance and Economics from SUNY Oswego.

Community service is a priority to Heather, as she sits on several non-profit boards to include the Salvation Army, Neighbors of Watertown, and the United Way.  Heather resides in the town of Lyme on Lake Ontario and is newly married.  She and her husband, Ethan, have a 4 year old son, Gabriel who is the light of their lives.

If you would like to speak with Heather, please contact her at the Watertown Branch at 315-779-9775 . She will work with you one on one through the home buying or refinancing process and is eager to assist you with your financing needs!

Beth Augustus has the pleasure of serving as Senior Loan Officer for Carthage Savings for over 15 years. With over 30 cumulative years of lending experience acting in the capacity of processor, underwriter and loan officer, Beth has the knowledge necessary to guide her clients through the mortgage process. Recognizing that purchasing a home is considered one of the most stressful life experiences, Beth takes extra time to explain all aspects of the home buying and financing process. Specializing in VA, FHA and USDA programs she is able to assist in presenting  the best program and options to fit the needs of her buyers. Whether you are buying a primary residence or second home, building a new home, seeking options for home equity loans, or refinancing an existing mortgage, Beth is happy to help in identifying what best fits your needs. 

As a lifelong resident of the North Country, Beth was raised on a small dairy farm and is proud to be a part of the community. She is an active volunteer for the SPCA and YMCA, and a supporter of numerous local charities. 

If you would like to speak with Beth, please call her direct line in the Watertown office at 315-779-0161, or call or text her at 315-767-2607. She looks forward to assisting you in attaining your financial and home ownership goals.

Pam Waterman is honored to be a part of the Carthage Savings and Loan family for 25 years. Pam is a native of Carthage and has spent the last 20+ years in the 1000 Islands region.

Experienced in FHA, Conventional, VA and USDA financing, Pam’s knowledge and expertise will help you through the mortgage process seamlessly. There are many aspects to consider when applying for a home loan and Pam will help you weigh all of your options. Purchasing a home is one of the major investments  in your  financial lifetime and with Pam’s years of banking experience and strong work ethic, she will gladly help her clients achieve their ultimate dream of home ownership.

Pam is located at our Clayton branch and can be reached at 315-686-4850.