Borrower situations · Kentucky
Loan officers for first-time buyers in Kentucky
As of 2026-10-09, LenDb lists 185 loan officers licensed in or based in Kentucky whose lender pages show First-time buyer work. The top-ranked are Jeremy Wetzel (CrossCountry Mortgage, Louisville), Adam Workman (CrossCountry Mortgage, Charlotte) and Edwin Santiago (CrossCountry Mortgage, Wayne). 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
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- First-time buyer
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Office in Louisville, KY
- Licensed since 2011 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 2
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- First-time buyer
- Real estate investor
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Edwin SantiagoNMLS 133618
CrossCountry Mortgage · Wayne, PA · licensed in 23 states
- First-time buyer
- Non-QM loan
- Down payment assistance
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Colorado records)
- States 23 years of experience (lender page, 2026-10-09)
- 4
Julie JohnsonNMLS 302214
CrossCountry Mortgage · Seattle, WA · licensed in 28 states
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 5
Chad RankinNMLS 490282
Guild Mortgage · Worcester, MA · licensed in 38 states
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
Santiago MeloNMLS 1982179
Fairway Independent Mortgage Corporation · Oak Brook, IL · licensed in 4 states
- First-time buyer
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 7
Carla MarchettiNMLS 993397
Guild Mortgage · Overland Park, KS · licensed in 11 states
- First-time buyer
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- States 19 years of experience (lender page, 2026-10-09)
- 8
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- First-time buyer
- Condo
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 9
Bonny ReynoldsNMLS 1827138
CrossCountry Mortgage · Cleveland, OH · licensed in 2 states
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 10
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 11
Dan KrausNMLS 40222
Churchill Mortgage · Brentwood, TN · licensed in 16 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 24 years of experience (lender page, 2026-10-09)
- 12
Lee DozierNMLS 40422
Churchill Mortgage · Brentwood, TN · licensed in 9 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 29 years of experience (lender page, 2026-10-09)
- 13
Sue FarrarNMLS 849222
Churchill Mortgage · Traverse City, MI · licensed in 8 states
- First-time buyer
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 14
Domonique GrayNMLS 900558
Churchill Mortgage · Brentwood, TN · licensed in 31 states
- First-time buyer
- FHA loan
- Real estate investor
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 15
David V. CostelloNMLS 358218
Churchill Mortgage · licensed in 23 states
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- States 35 years of experience (lender page, 2026-10-09)
- 16
Stacey DowlingNMLS 196631
Xpert Home Lending · Mortgage broker · licensed in 23 states
- First-time buyer
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- 17
Mitchell ScottNMLS 1313748
CrossCountry Mortgage · Springfield, MO · licensed in 4 states
- First-time buyer
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 18
Nathan SolidayNMLS 166402
Success Mortgage Partners · Sellersburg, IN · licensed in 3 states
- First-time buyer
- USDA loan
- Down payment assistance
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 19
Sheri WatkinsNMLS 279665
Ruoff Mortgage · licensed in 8 states
- First-time buyer
- New construction
- Vacation home
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 20
Bryson SchoeneckeNMLS 397852
CrossCountry Mortgage · Carmel, IN · licensed in 3 states
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Colorado records)
- 21
Jeff LongNMLS 183949
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 35 years of experience (lender page, 2026-10-09)
- 22
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- First-time buyer
- 2 to 4 unit property
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 23
Chuck ButterfieldNMLS 176620
Churchill Mortgage · licensed in 20 states
- First-time buyer
- Real estate investor
- FHA loan
- USDA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- States 22 years of experience (lender page, 2026-10-09)
- 24
Angie TurleyNMLS 363066
Fairway Independent Mortgage Corporation · Mooresville, IN · licensed in 26 states
- First-time buyer
- Self-employed
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- 25
Crystal HodgesNMLS 1735979
Loan Factory · Mortgage broker · licensed in 3 states
- First-time buyer
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists First-time buyer on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
Before you choose
The best options combine programs (FHA, conventional low down, local assistance) and need patient guidance through the process.
- Which low down payment programs fit my situation?
- Am I eligible for any first-time buyer assistance here?
- What will my total cash to close be?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a KY license is confirmed with the state regulator (check mark), KY is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=first-time-buyer&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.