--- canonical_url: https://lendb.ai/s/fha/kentucky last_verified: 2026-10-09 --- # FHA loan officers in Kentucky As of 2026-10-09, LenDb lists 150 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. ## Ranked, with reasons 1. **[Connie Smith](https://lendb.ai/lo/connie-smith-62811)** (NMLS 62811), Union Home Mortgage, Lakeside Park, KY - 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) - No disciplinary actions on file at LenDb 2. **[Ken Smith](https://lendb.ai/lo/ken-smith-71162)** (NMLS 71162), Churchill Mortgage, Colorado Springs, CO - 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 King](https://lendb.ai/lo/whitney-king-2094676)** (NMLS 2094676), JPMorgan Chase Bank (Chase Home Lending), Louisville, KY - 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) - No disciplinary actions on file at LenDb 4. **[Kristina Hayes](https://lendb.ai/lo/kristina-hayes-1057175)** (NMLS 1057175), Churchill Mortgage, Irvine, CA - 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 Cowle](https://lendb.ai/lo/morgan-cowle-40312)** (NMLS 40312), Churchill Mortgage, Brentwood, TN - 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 Dozier](https://lendb.ai/lo/lee-dozier-40422)** (NMLS 40422), Churchill Mortgage, Brentwood, TN - 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) Iacono](https://lendb.ai/lo/agostino-augie-iacono-283725)** (NMLS 283725), Barrett Financial Group, Brookfield, WI - 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 Rutledge](https://lendb.ai/lo/jenny-rutledge-724686)** (NMLS 724686), Ruoff Mortgage, KY - 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 Stefanidis](https://lendb.ai/lo/ioannis-stefanidis-1725443)** (NMLS 1725443), Churchill Mortgage, Irvine, CA - 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 Schwab](https://lendb.ai/lo/john-schwab-223945)** (NMLS 223945), Guild Mortgage, Aurora, IL - 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 Kraus](https://lendb.ai/lo/daniel-kraus-40222)** (NMLS 40222), Churchill Mortgage, Brentwood, TN - 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 Butterfield](https://lendb.ai/lo/chuck-butterfield-176620)** (NMLS 176620), Churchill Mortgage - 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. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - 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. **[Diana Flynn](https://lendb.ai/lo/diana-flynn-1934853)** (NMLS 1934853), NFM Lending, Columbus, OH - 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 15. **[Heidi Gage](https://lendb.ai/lo/heidi-gage-213769)** (NMLS 213769), NFM Lending, Linthicum, MD - 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. **[Todd Lillo](https://lendb.ai/lo/todd-lillo-224237)** (NMLS 224237), Union Home Mortgage, Norwalk, OH - 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. **[Cari Zepeda](https://lendb.ai/lo/cari-zepeda-1939523)** (NMLS 1939523), Guild Mortgage, Aurora, IL - 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 18. **[Marco Guerra](https://lendb.ai/lo/marco-guerra-453621)** (NMLS 453621), Guild Mortgage, Santa Rosa, CA - 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. **[John Ortega](https://lendb.ai/lo/john-ortega-461624)** (NMLS 461624), Churchill Mortgage, Irvine, CA - 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. **[Oleg Tkach](https://lendb.ai/lo/oleg-tkach-90937)** (NMLS 90937), NFM Lending, Lynnwood, WA - 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 21. **[Domonique Gray](https://lendb.ai/lo/domonique-gray-900558)** (NMLS 900558), Churchill Mortgage, Brentwood, TN - 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 22. **[Will Pendergraft](https://lendb.ai/lo/william-pendergraft-887706)** (NMLS 887706), Churchill Mortgage, Brentwood, TN - 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 23. **[Aimee Thomas](https://lendb.ai/lo/aimee-thomas-426208)** (NMLS 426208), JPMorgan Chase Bank (Chase Home Lending), Louisville, KY - 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 24. **[Laura Mullen](https://lendb.ai/lo/laura-mullen-500688)** (NMLS 500688), Ruoff Mortgage - 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 25. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL - Lists FHA loan on lender page (lender page, verified 2026-10-09) - Licensed in KY (listed on lender page, verified 2026-10-09) - 1 years licensed - No disciplinary actions on file at LenDb ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/fha/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._