---
canonical_url: https://lendb.ai/lo/deborah-allred-santiago-894630
json_url: https://lendb.ai/lo/deborah-allred-santiago-894630.json
nmls_id: 894630
last_verified: 2026-10-09
---

# Deborah Allred Santiago

Branch Manager at Union Home Mortgage, Lexington, KY. NMLS ID 894630 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/894630)).

**Summary:** Deborah Allred Santiago (NMLS 894630) is Branch Manager at Union Home Mortgage, based in Lexington, KY. Lists Indiana and Kentucky on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Condo, Construction loan, Manufactured home, Renovation loan (203k / HomeStyle) and Vacation home. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: Indiana (IN, lender_reported), Kentucky (KY, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Condo** (`condo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/
- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/
- **Manufactured home** (`manufactured`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/

## About

Deborah has been in banking and mortgage lending since 1996 with awards including President's Club and Top Producing Awards. She originates loans in Kentucky and Indiana counties with emphasis on first-time homebuyers, self-employed borrowers, and various property types including reverse mortgages.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: since 1996. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/, verified 2026-10-09.
- credential: President's Club, Sales Manager, and Top Producing Awards. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/, verified 2026-10-09.
- service_area: Kentucky: Carroll, Cumberland, Jefferson, Oldham, Shelby, Spencer and Trimble Counties; Indiana: Clark, Floyd, Harrison, Jefferson, Scott, and Washington counties. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| IN | state_license | 44151 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | MC713835 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Lexington, KY. Source: https://www.uhm.com/loan-officers/deborah-allred-santiago/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/894630

## Contact

- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/deborah-allred-santiago/
- Office phone and Email on file: shown at https://lendb.ai/lo/deborah-allred-santiago-894630#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/894630
- lender_site: https://www.uhm.com/loan-officers/deborah-allred-santiago/

Cite as: Deborah Allred Santiago (NMLS 894630), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/deborah-allred-santiago-894630, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._