Retail Lenders

Loans

Neighbors helping neighbors

At First Security, our retail lenders are your trusted partners for life’s big moments—whether you’re applying for a mortgage to buy your first home, upgrading to your dream house, refinancing, consolidating debt, or looking for a personal loan to make something special happen. With deep knowledge, years of experience, and a neighborly approach, we make the borrowing process simple, smooth, and stress-free.

Kim Schlader
Kim D. Schlader Vice President/Retail Lending Manager 641-257-1249 Email Kim NMLS ID: 458515

About Kim

Kim, a lifelong Charles City native and graduated from NIACC (North Iowa Area Community College). She joined First Security as a Retail Lender in 2001 and received a promotion to Vice President Retail Lender a few years later. In 2020, Kim was promoted to Vice President Retail Lending Manager. Throughout her career, Kim has pursued professional development, earning credentials such as the Certified Community Lender Credential, attending Consumer Credit School, participating in IBA (Iowa Bankers Association) Leadership, and becoming a Credit Life & Disability Agent.

Beyond her professional achievements, Kim gives back to her community. She is a part of the Charles City Rotary Club and is on the Floyd County Compensation Condemnation Board. Kim enjoys camping, boating, and traveling with her husband, their four children, in-laws, and grandchildren.

Tracey Lynch
Tracey C. Lynch Retail Lender 641-257-1214 Email Tracey NMLS ID: 1165136

About Tracey

Tracey lives in Charles City with her husband, and together they have raised two children. Tracey began her career at First Security in the Retail Department in 2002. In 2014, while working as a Lead Retail Advisor, she added retail lending to her areas of expertise. Several years ago, she moved to the retail lending side full-time as a Consumer and Real Estate Lender. Tracey is a graduate of the Iowa Bankers Association Consumer Credit School and is a licensed Credit Life & Disability Agent.

She enjoys working with customers and helping them with their banking needs.

Lacy Schoenfeldt
Lacy Schoenfeldt Retail Lender 641-257-1216 Email Lacy NMLS ID: 2087672

About Lacy

Lacy Schoenfeldt joined the First Security team in 2014, bringing with her customer service skills, leadership experience, and administrative talents. She graduated from North Iowa Area Community College (NIACC) with an associate’s degree and an Administrative Office Associate Diploma. During her time at First Security, she has been promoted multiple times to positions including Loan Operations Specialist, Retail Lending Specialist, and most recently, Retail Lender in 2023. In addition to the promotion in 2023, Lacy has completed the Iowa Bankers Association’s (IBA) Consumer Credit School, and she's a licensed Credit Life & Disability Agent. In her new role, she underwrites mortgage and consumer loans.

Lacy now lives with her family near Bassett, Iowa; she has a husband, two children, two dogs, and a cat. In her free time, she enjoys spending time with her loved ones, being outside in nature, and relaxing.

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