--- canonical_url: https://lendb.ai/s/first-time-buyer/ohio last_verified: 2026-10-09 --- # Loan officers for first-time buyers in Ohio As of 2026-10-09, LenDb lists 385 loan officers licensed in or based in Ohio whose lender pages show First-time buyer work. The top-ranked are Aindrea Wilder (CrossCountry Mortgage, Gahanna), Timothy Bullock (Union Home Mortgage, Akron) and Scott Dillen (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Aindrea Wilder](https://lendb.ai/lo/aindrea-wilder-132778)** (NMLS 132778), CrossCountry Mortgage, Gahanna, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Gahanna, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 2. **[Timothy Bullock](https://lendb.ai/lo/timothy-bullock-233777)** (NMLS 233777), Union Home Mortgage, Akron, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Akron, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 3. **[Scott Dillen](https://lendb.ai/lo/scott-dillen-270870)** (NMLS 270870), Ruoff Mortgage, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Ohio - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 4. **[Lori Fetter](https://lendb.ai/lo/lori-fetter-832832)** (NMLS 832832), Ruoff Mortgage, Medina, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Medina, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 26 years of experience (lender page, 2026-10-09) 5. **[Laurie Mace](https://lendb.ai/lo/laurie-mace-281809)** (NMLS 281809), Union Home Mortgage, Akron, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Akron, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 6. **[Patrick Tuffey](https://lendb.ai/lo/patrick-tuffey-841734)** (NMLS 841734), Union Home Mortgage, West Chester, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in West Chester, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 24 years of experience (lender page, 2026-10-09) 7. **[Kevin Koscinski](https://lendb.ai/lo/kevin-koscinski-518521)** (NMLS 518521), JPMorgan Chase Bank (Chase Home Lending), Columbus, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Columbus, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS - States 22 years of experience (lender page, 2026-10-09) 8. **[Greg Rose](https://lendb.ai/lo/greg-rose-488109)** (NMLS 488109), CrossCountry Mortgage, Lancaster, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Lancaster, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 9. **[Bonny Reynolds](https://lendb.ai/lo/bonny-reynolds-1827138)** (NMLS 1827138), CrossCountry Mortgage, Cleveland, OH - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - Office in Cleveland, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 10. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 11. **[Denise Panza](https://lendb.ai/lo/denise-panza-16446)** (NMLS 16446), Total Mortgage Services, Naples, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 12. **[Mark Harris](https://lendb.ai/lo/mark-harris-113814)** (NMLS 113814), Guild Mortgage, San Antonio, TX - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 13. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 14. **[Julie Johnson](https://lendb.ai/lo/julie-johnson-302214)** (NMLS 302214), CrossCountry Mortgage, Seattle, WA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 15. **[Chad Rankin](https://lendb.ai/lo/robert-rankin-490282)** (NMLS 490282), Guild Mortgage, Worcester, MA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 16. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 17. **[Jason A Walker](https://lendb.ai/lo/jason-a-walker-2384353)** (NMLS 2384353), CrossCountry Mortgage, Grand Haven, MI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 18. **[AJ DiCarlo](https://lendb.ai/lo/andrew-dicarlo-2488670)** (NMLS 2488670), CrossCountry Mortgage, Fort Walton Beach, FL - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 19. **[Cori Drudge](https://lendb.ai/lo/cori-drudge-229643)** (NMLS 229643), Ruoff Mortgage, Fishers, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) - States 27 years of experience (lender page, 2026-10-09) 20. **[Adam Garman](https://lendb.ai/lo/adam-garman-124792)** (NMLS 124792), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 21. **[Craig Cusick](https://lendb.ai/lo/craig-cusick-210381)** (NMLS 210381), Fairway Independent Mortgage Corporation, Phoenix, AZ - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 22. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 23. **[Katie Lawrence](https://lendb.ai/lo/katie-lawrence-153808)** (NMLS 153808), Union Home Mortgage, Brighton, MI - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 24. **[Joe McBreen](https://lendb.ai/lo/joseph-mcbreen-686541)** (NMLS 686541), CrossCountry Mortgage, Michigan City, IN - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) - States 16 years of experience (lender page, 2026-10-09) 25. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists First-time buyer on lender page (lender page, verified 2026-10-09) - OH 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) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/first-time-buyer/ohio. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._