---
canonical_url: https://lendb.ai/s/condo/kentucky
last_verified: 2026-10-09
---

# 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 Jeffrey Zulauf (CrossCountry Mortgage, Suwanee), Maggie Mikaitis (CrossCountry Mortgage, Chicago) 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.

## Ranked, with reasons

1. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
   - States 15 years of experience (lender page, 2026-10-09)
2. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
   - States 13 years of experience (lender page, 2026-10-09)
3. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2020 (per Colorado records)
4. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
5. **[Deborah Allred Santiago](https://lendb.ai/lo/deborah-allred-santiago-894630)** (NMLS 894630), Union Home Mortgage, Lexington, KY
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - Office in Lexington, KY
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[Justin Bonura](https://lendb.ai/lo/justin-bonura-73184)** (NMLS 73184), CrossCountry Mortgage, Denville, NJ
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
7. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
8. **[Kristi Curling](https://lendb.ai/lo/kristi-curling-2156237)** (NMLS 2156237), CrossCountry Mortgage, Franklin, TN
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
9. **[Christina Thluai](https://lendb.ai/lo/christina-thluai-1471916)** (NMLS 1471916), CrossCountry Mortgage, Indianapolis, IN
   - Lists Condo on lender page (lender page, verified 2026-10-09)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/condo/kentucky.

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