Kellie Ballard
Financial Services Center Officer

NMLS Registry Number – 1447050

388 Main Street
Athol, MA 01331

Office: 978-721-6181
Fax: 978-249-2478


Business Hours: Monday through Friday 8:00 am - 5:00 pm

Lending Area: Serving the Uptown Athol area and surrounding communities.

Kellie joined Athol Savings Bank in 1991 and has 25 years of banking experience. During her career she has acquired a vast knowledge of the banking industry, having worked in the positions Branch Supervisor, Accounting Clerk, Community Banking Officer and now as a Financial Services Center Officer. During her years Kellie has worked regularly in most offices of the Athol Savings Bank, reaching many customers throughout our communities. Kellie’s diverse range of knowledge contributes to her offering the best checking, savings and loan products that ASB has to offer.


Athol Savings Bank is proud to provide new and existing customers with modern technology and advanced services to fulfill their banking needs online. Applying for mortgages and home equity loans online is easy.

  1. Check Rates to get a personalized quote to suit your needs.
  2. Apply Now and complete the application. A Loan Officer will be assigned to you based on the subject property location after you submit your application.
  3. Choose a Loan Officer if you prefer to work with a particular Loan Officer.
  4. Click Loan Status/View Disclosures if you have already started an application and would like to log in to your profile to check the status or review your disclosures.

Want to have personal assistance?

You can call or email me to answer any of your questions or to ask for advice.


We offer pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. I will assist you with explanations of each program on the site and I am always just a call or email away!