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Meet the Team
A Wholesale Team Built Around Brokers
Wholesale lending works best when you know who you’re working with — and can reach them when it matters. Our mortgage wholesale team is built to support brokers with direct access, consistent communication, and real‑world experience across specialty lending scenarios.
We partner closely with brokers to help structure deals, navigate complexity, and keep files moving from submission to close.
How We Support You
Dedicated points of contact
You’ll work with a dedicated mortgage lender and an operations team that understands your market, your pipeline, and your business model.
Scenario‑first mindset
Not every deal fits neatly into a box. We collaborate with you early to evaluate structure, income, equity, and timing — before a file ever stalls.
Clear, proactive communication
From initial review through closing, our team prioritizes transparency and timely updates so you’re never guessing where a file stands.
Local decision‑making
Our underwriting and support teams understand the nuances of specialty lending and bring practical judgment to each transaction.
Meet The Wholesale Team:
Joe Babiracki
SVP/Mortgage Banking Manager | NMLS #: 412640
Phone Number | Email
Joe Babiracki has built a career in consumer lending focused on adapting to market needs and driving strong revenue opportunities for partners. After earning a degree in Finance and Marketing from the University of Minnesota’s Carlson School of Management, he began at First Bank (now U.S. Bank), where he helped develop a successful consumer finance model. Since moving into community banking in the early 2000s, Joe has focused on growth through strategic partnerships in the mortgage and real estate industries, while leading efforts in credit policy, process improvement, and team development. As a member of Highland Bank’s Senior Leadership Team, he oversees the expansion of the consumer mortgage portfolio and continues to guide its long-term strategy.
Ted Bents
VP/Mortgage Loan Officer | NMLS #: 412644
Phone Number | Email
Ted Bents has built a 25+ year career in banking driven by a passion for helping customers succeed over the long term. After earning a degree in political science and briefly playing football in Europe, he returned to the U.S. and found his path in banking. Known as a driven, customer-focused communicator, Ted is recognized for going above and beyond to support clients through complex situations, including mortgage challenges, debt consolidation, and construction lending. As Vice President of Mortgage Lending, he focuses on delivering meaningful solutions while continuing to grow a strong referral network that benefits both his clients and the bank. Outside of work, Ted enjoys spending time with his wife and three grown children, along with fishing, golfing, biking, pickleball, and staying actively involved in his local community.
Brian Day
AVP/Mortgage Loan Officer | NMLS #: 826230
Phone Number | Email
Brian Day has built a career in home financing since starting as a Loan Officer in 1999, with a strong focus on building lasting relationships and meaningful connections. Over the years, he has developed an extensive client base and a broad network of partners, including bankers, realtors, and construction professionals, allowing him to deliver value that goes beyond financing. Known for his commitment to going the extra mile, Brian takes time to understand each customer’s unique situation and provide solutions that truly fit their needs. He prioritizes open, honest communication and offers guidance even when financing isn’t immediately possible, ensuring every client has a positive experience. Outside of work, Brian enjoys spending time with his family, cheering on his son at sporting events, and fishing and boating at the cabin.