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Meet Our Team
Ruby Grynberg
NMLS# 92613

Branch Manager, Loan Officer

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Cell: (206) 214-5575

Ruby started the University of Washington at age 15 and has been on a high-achievement track ever since. With a degree in Social Work specializing in Mental Health and a love of math, the stress and complexity of the mortgage industry is an oddly perfect fit. After working as a loan processor and loan officer for several years at both brokerages and banks, Ruby founded Salmon Bay Community Lending in 2005. Since then, Ruby has grown Salmon Bay to be a flourishing mortgage bank in the heart of Ballard.

Ruby is active in her communities both professionally and personally. As former Co-Chair of the Government Affairs Committee for WAMP, she's determined to help shape the future of the industry and looks for every opportunity to bring people together to influence the policies that impact the mortgage industry. Her 4 sons keep her running by day and her love of tango keeps her dancing when the sun goes down.

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Adam Criswell
NLMS# 1189863

Loan Officer

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Phone: (206) 557-7403
Fax: (206) 260-1355

Born and raised just outside of Monroe, WA., Adam studied Public Relations at Central Washington University. He started his mortgage career in December of 2005 with Wells Fargo Home Mortgage as a customer service representative, answering basic questions. In just 10 months he moved to a position as a Sales Associate, over-seeing the entire loan process from start to finish for all accounts in the greater Seattle area but he never really left the customer service mind-set behind; ensuring that people have a positive experience and enjoy themselves has always been a cornerstone of Adam’s work ethic. Just because it’s work doesn’t mean it shouldn’t be fun.

After 4 years in mortgage sales Adam made the transition to Home Loan Modifications within Wells Fargo with a goal of helping home owners in desperate situations find comfort and ultimately work towards keep their home. He spent a year helping home owners with loan modifications before starting at Salmon Bay Community Lending and after 2 and a half years processing made the big step to get licensed as a Mortgage Loan Originator. He brings vigor and a certain je ne sais quoi to the office. In his spare time he enjoys photography and cooking (sometimes together) and playing with his dog, Spider-man.

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Sara Lerner
NMLS# 1500667

Loan Officer

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Phone: (206) 851-2670
Fax: (206) 260-1355

After many years as a Seattle radio journalist, Sara has made her grand return to mortgage banking. She grew up in the industry, working for her dad’s small company outside Kansas City, Missouri as a teenager. Post-college at the University of Wisconsin-Madison, she returned as a loan originator and company Vice President. She and her family saw the unsavory practices of some of their peers during those pre-recession years and prided themselves in offering fair and honest services to their community.

Now, Sara says it’s a relief to return to a changed industry. “There’s no more room for the bad guys. There’s more accountability, which may add to my workload, but I love it. It’s for all the right reasons.” She says she wouldn’t even be in finance again if it weren’t for Salmon Bay Community Lending and Ruby Grynberg. Sara jumped at the opportunity to work with her. “When I first met Ruby in 2006, I recognized her approach to mortgage banking. She is the Loan Officer I hoped I was: thorough, authentic, savvy, and honest. And she’s somehow managed to build an entire company of such individuals who also happen to be hilarious and wonderful people.”

Sara can still be found around the Seattle area with her microphone and headphones, as she continues to produce freelance radio pieces for local and national outlets.

Sara Lerner Photo

Heather Wischmann
NMLS# 1544331

Loan Processor

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Phone: (206) 557-7414
Fax: (206) 260-1355

Born and raised in North Seattle, Heather is a native to the Emerald city. She launched her career into the mortgage industry at small brokerage on Eastlake, where she started out in sales. A love for underwriting and processing was developed and she moved on to much larger firms like Bank of America and Wells Fargo home loans.

Heather’s passion to try new things eventually brought her to the hospitality management industry where she operated a Las Vegas hotel, before returning to the great northwest to once again do what she loved.

Heather is quite versatile in all facets of the industry and brings 10 years of experience, playful wit, a love of people, and rock solid dedication. She enjoys spending time with family, camping, snowboarding, being a Seahawk season ticket holder and all things outdoors.

Heather Wischmann Photo

Kate Knappert
NMLS# 1484653

Director of Compliance and Development

Phone: (206) 557-7402
Fax: (206) 260-1355

After graduating from the University of Washington, Kate joined Salmon Bay to keep the office running while everyone else helps people finance their homes. Driven by an innate curiosity, Kate has found the mortgage industry to be a complex and intriguing beast. The mixture of professionalism and whimsy at Salmon Bay suits Kate just right. In addition, it helps make her job that much more compelling. As the company has grown, Kate's role has evolved and she now manages the compliance arm of Salmon Bay while working with Ruby on growing the company in new and exciting ways.

A Seattle native, Kate would move into Pike Place Market if she could. She enjoys the snow as much as the sun, can never see too much theatre, eat at too many restaurants, or do too much aerial.

Kate Knappert Photo

Katherine Lee
Client Concierge

Phone: (206) 789-8629
Fax: (206) 260-1356

Katherine graduated from the University of Washington with a degree Business Administration, and has years of experience in Project Management and Marketing for private firms as well as non-profit organizations. She is most passionate about environmental conservation and social justice. Unexpectedly, Katherine finds deep fulfillment in helping the staff and clients at Salmon Bay Lending realize their goals for home ownership and financial well-being. She was seeking a positive environment, honesty and fairness in the workplace, and found all that and more in the wonderful group at Salmon Bay. She is also enjoying learning all about mortgages and finances - powerful tools of living on the grid.

Katherine lives in a little house in Ballard with her husband and 6-year old daughter. When she is not helping business stay organized at Salmon Bay, she cooks, gardens, knits, reads, dances, and goes camping with her family. She can be found at local yoga studios and community centers teaching prenatal yoga or baby gym, belting out baby songs and nursery rhymes.

Katherine Lee Photo