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Meet the Team

Michael Creed – Branch Manager

Michael Creed is a native of the Midwest; first moving to the Milwaukee area in 1997. He has over 13 years of experience in Mortgage Origination and Branch Management. He is consistently recognized as a top producer because he brings an exceptional knowledge of the mortgage industry and practical, hands-on experience to each client he and his team serves. The commitment from Michael’s Team to provide exceptional customer service, combined with excellent problem solving skills, is what makes the difference between potential borrowers and home owners in his practice. He and his team know the benefits of making the mortgage process a win-win for all of their clients and their business partners. Please contact us if you have questions, or you may jump right on your free online application here. Of course, while you’re here at, check out the resources available to you as well.


Lynn Creed – Team Captain

With four years of experience in the mortgage business and constant access to Michael as his wife, Lynn makes sure that our buyers get a solid, prompt pre-approval so that they can be ready to write an offer ASAP. Many of our  business partners have grown to love Lynn because, before she was in this role, she handled all of our Contract to Close Coordination where they worked with her closely, regularly. NMLS#: 1586461 | Office: 262-501-9099 | lcreed@envoymortgage [.com]


Jackie Hanke – Loan Partner

Jackie’s been in the mortgage business for over 20 years and she uses all of that knowledge to help our clients get from contract to close smoothly and efficiently. Outside of work, she enjoys gardening and spending as much time as possible with her family. | Office: 262-563-8064 | jhanke@envoymortgage [.com]


Amy Terrell – Loan Partner

NMLS#: 24830 | Office: 502-628-5560 | aterrell@envoymortgage [.com]


Kim Olbricht – Processor

Kim is one of our rock star processors! She works closely with the team, all third party vendors and all of Envoy Operations to move each file through to funding. Kim’s experience in mortgage lending started back in 1987! Her mad-processing skills are one of the key reasons we close on time, every time. Kim has been married to the love of her life for 30 years. They have 2 children and 2 grandchildren, ages 5 and 7. They also have a dog named Cinnamon. NMLS#: 823240 | Office: 502-638-5598 | kolbricht@envoymortgage [.com]


Judy Hoyland – Processor

Judy also brings many years of mortgage experience to the team – over 20 years! In this timeframe she has processed and originated loans. She has worked on all types of loans, Conv, FHA, USDA and VA , also KHC and construction loans. She has a daughter who is currently attending WKU and in her spare time she enjoys visiting with her daughter and shopping. She also enjoys reading and playing volleyball. Over the past 5 yrs. Judy has been involved with Women’s Council of Realtors, Mortgage Bankers of Louisville and Greater Louisville association of Realtors. NMLS#: 415311 | Office: 502-638-5568 | jhoyland@envoymortgage [.com]


Additional Team Members

Jeni Bacon—Marketing Assistant

Jason Bower—Loan Officer NMLS#: 365749

Aimee Brown—Licensed Processor NMLS#: 375871

Theresa Copp—Loan Officer NMLS#: 489500

Bernard Davis—Loan Officer NMLS#: 285790

Jackie Koppen—Loan Partner

James Ryan—Sr Loan Officer NMLS#: 278549

Charles Smith—Licensed Processor NMLS#: 67807

Patrick White—Loan Officer NMLS#: 1586455