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Property types · Kentucky

Condo loan officers in Kentucky

As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in Kentucky whose lender pages show Condo work. The top-ranked are Maggie Mikaitis (CrossCountry Mortgage, Chicago), Jeffrey Zulauf (CrossCountry Mortgage, Suwanee) and Karen Chiu (CrossCountry Mortgage, San Gabriel). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 9

  1. 1

    Maggie MikaitisNMLS 1395394

    CrossCountry Mortgage · Chicago, IL · licensed in 36 states

    • Condo
    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Jeffrey ZulaufNMLS 18566

    CrossCountry Mortgage · Suwanee, GA · licensed in 22 states

    • Condo
    • First-time buyer
    • Real estate investor
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Karen ChiuNMLS 611778

    CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states

    • Condo
    • First-time buyer
    • Non-QM loan
    • New construction
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Tom HallockNMLS 621397

    LoanPeople · licensed in 12 states

    • Condo
    • FHA loan
    • Jumbo loan
    • USDA loan
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Deborah Allred SantiagoNMLS 894630

    Union Home Mortgage · Lexington, KY · licensed in 2 states

    • Condo
    • 2 to 4 unit property
    • Construction loan
    • FHA loan
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • Branch in Kentucky
    • No disciplinary actions on file at LenDb
  6. 6

    Corey VandenbergNMLS 563900

    Success Mortgage Partners · Grand Rapids, MI · licensed in 10 states

    • Condo
    • First-time buyer
    • Construction loan
    • Down payment assistance
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 36 states

    • Condo
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Justin BonuraNMLS 73184

    CrossCountry Mortgage · Denville, NJ · licensed in 19 states

    • Condo
    • Jumbo loan
    • VA loan
    • FHA loan
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Robert CarterNMLS 898005

    Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states

    • Condo
    • Construction loan
    • FHA loan
    • First-time buyer
    • Lists Condo on lender page (lender page, verified 2026-10-09)
    • Licensed in KY (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

The building's budget, reserves, litigation and owner-occupancy ratio all affect approval, not just the buyer's credit.

  • Is this project already approved or warrantable with your investors?
  • What documents do you need from the HOA, and who orders the condo questionnaire?
  • How do you handle a project with pending litigation or low reserves?

More about Condo

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in KY or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=condo&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.