Loan programs · Kentucky
FHA loan officers in Kentucky
As of 2026-10-09, LenDb lists 115 loan officers licensed in or based in Kentucky whose lender pages show FHA loan work. The top-ranked are Connie Smith (Union Home Mortgage, Lakeside Park), Ken Smith (Churchill Mortgage, Colorado Springs) and Whitney King (JPMorgan Chase Bank (Chase Home Lending), Louisville). 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 25
- 1
Connie SmithNMLS 62811
Union Home Mortgage · Lakeside Park, KY · licensed in 3 states
- FHA loan
- Jumbo loan
- USDA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- Branch in Kentucky
- 16 years experience (stated on lender page, 2026-10-09)
- 2
Ken SmithNMLS 71162
Churchill Mortgage · Colorado Springs, CO · licensed in 6 states
- FHA loan
- Reverse mortgage
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 23 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Whitney KingNMLS 2094676
JPMorgan Chase Bank (Chase Home Lending) · Louisville, KY
- FHA loan
- First-time buyer
- Low credit score
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- Branch in Kentucky
- 5 years experience (stated on lender page, 2026-10-09)
- 4
Kristina HayesNMLS 1057175
Churchill Mortgage · Irvine, CA · licensed in 24 states
- FHA loan
- Non-QM loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 5
Morgan CowleNMLS 40312
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- FHA loan
- VA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 11 years licensed
- No disciplinary actions on file at LenDb
- 6
Lee DozierNMLS 40422
Churchill Mortgage · Brentwood, TN · licensed in 9 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan 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
Agostino (Augie) IaconoNMLS 283725
Barrett Financial Group · Brookfield, WI · licensed in 11 states
- FHA loan
- Bank statement loan
- Down payment assistance
- Jumbo loan
- Lists FHA loan 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
- 8
Jenny RutledgeNMLS 724686
Ruoff Mortgage · Kentucky · licensed in 2 states
- FHA loan
- Construction loan
- First-time buyer
- Jumbo loan
- Lists FHA loan 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
- 9
Yanni StefanidisNMLS 1725443
Churchill Mortgage · Irvine, CA · licensed in 16 states
- FHA loan
- Real estate investor
- VA loan
- Lists FHA loan 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
- 10
John SchwabNMLS 223945
Guild Mortgage · Aurora, IL · licensed in 10 states
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists FHA loan 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
- 11
Dan KrausNMLS 40222
Churchill Mortgage · Brentwood, TN · licensed in 16 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan 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
- 12
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- FHA loan
- First-time buyer
- Real estate investor
- USDA loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 22 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Diana FlynnNMLS 1934853
NFM Lending · Columbus, OH · licensed in 23 states
- FHA loan
- VA loan
- Down payment assistance
- Jumbo loan
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 14
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Jumbo loan
- Lists FHA loan 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
- 15
Todd LilloNMLS 224237
Union Home Mortgage · Norwalk, OH · licensed in 10 states
- FHA loan
- First-time buyer
- VA loan
- Down payment assistance
- Lists FHA loan 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
- 16
Cari ZepedaNMLS 1939523
Guild Mortgage · Aurora, IL · licensed in 11 states
- FHA loan
- Down payment assistance
- First-time buyer
- Jumbo loan
- Lists FHA loan 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
- 17
Marco GuerraNMLS 453621
Guild Mortgage · Santa Rosa, CA · licensed in 15 states
- FHA loan
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- VA loan
- Lists FHA loan 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
- 18
John OrtegaNMLS 461624
Churchill Mortgage · Irvine, CA · licensed in 22 states
- FHA loan
- Jumbo loan
- VA loan
- Lists FHA loan 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
- 19
Oleg TkachNMLS 90937
NFM Lending · Lynnwood, WA · licensed in 24 states
- FHA loan
- Real estate investor
- USDA loan
- VA loan
- Lists FHA loan 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
- 20
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- FHA loan
- First-time buyer
- Real estate investor
- VA loan
- Lists FHA loan 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
- 21
Will PendergraftNMLS 887706
Churchill Mortgage · Brentwood, TN · licensed in 20 states
- FHA loan
- VA loan
- First-time buyer
- Real estate investor
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 22
Aimee ThomasNMLS 426208
JPMorgan Chase Bank (Chase Home Lending) · Louisville, KY
- FHA loan
- First-time buyer
- Vacation home
- Down payment assistance
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Branch in Kentucky; no license list on file yet, verify at NMLS Consumer Access
- 15 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 23
Laura MullenNMLS 500688
Ruoff Mortgage · licensed in 4 states
- FHA loan
- Down payment assistance
- USDA loan
- VA loan
- Lists FHA loan 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
- 24
Lafe RansomNMLS 404304
Guild Mortgage · Evansville, IN · licensed in 5 states
- FHA loan
- USDA loan
- VA loan
- First-time buyer
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
Emmett ClarkNMLS 233747
Loan Factory · licensed in 18 states
- FHA loan
- First-time buyer
- VA loan
- HELOC
- Lists FHA loan on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Lender overlays on credit score and debt-to-income differ, and property condition rules can complicate older homes.
- What minimum credit score do you accept for FHA, with or without overlays?
- How do you handle FHA appraisal repair requirements?
- What will mortgage insurance cost over the life of the loan?
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=fha&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.