Apply Now for a mortgage


Mortgage Loan Officers

Melessa Ruth

NMLS 407286

Melessa Ruth has been with Peoples Bank for twenty-six years and has been in mortgage lending for over fifteen years. Whether you are a first-time homebuyer, looking for a construction loan, or a refinance, Melessa has the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly. There are many factors to consider when getting a home loan and Melessa will help you consider all of your options so you can concentrate on making the best decision for your needs.

Savanna Naylor

NMLS 2383526

Savanna Naylor is from Decatur County and recently joined the bank in 2021 in the mortgage department. Since then, she has been promoted to Mortgage Loan Officer. Before she began her career with the Peoples Bank, she attended and graduated with a bachelor’s degree from the University of Tennessee at Martin. She plans to continue her education by attending the Southeastern School of Banking while continuing to service the mortgage department at our Clifton Branch.

Stephanie Dodson

NMLS 872506

Sadie Riley

NMLS 2120484

Sadie Riley is originally from Collinwood, Tennessee, but currently resides in Clifton.  She has been with Peoples Bank since March 2017.  She worked as a mortgage loan processor until 2021.  She then became a Mortgage Loan Officer at the Waynesboro Branch.  Sadie also handles commercial real estate at the Waynesboro location.  Stop by and see her for all of your real estate needs.

Elizabeth Daniel

NMLS 2293408

Elizabeth Daniel is from Collinwood, Tennessee.  She has been with Peoples Bank since August 2016.  She currently works at the Collinwood Branch as the Mortgage/Real Estate Loan Officer.  Elizabeth can help you with any real estate needs.

Chelsi Padgett

NMLS 2362882