Borrower situations · Kentucky
Loan officers for real estate investors in Kentucky
As of 2026-10-09, LenDb lists 42 loan officers licensed in or based in Kentucky whose lender pages show Real estate investor work. The top-ranked are Adam Workman (CrossCountry Mortgage, Charlotte), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). 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
Adam WorkmanNMLS 128183
CrossCountry Mortgage · Charlotte, NC · licensed in 42 states
- Real estate investor
- First-time buyer
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 2
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- Real estate investor
- Asset-based qualifying
- Bank statement loan
- DSCR loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Real estate investor
- Jumbo loan
- Non-QM loan
- Self-employed
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- Real estate investor
- First-time buyer
- Construction loan
- Down payment assistance
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 5
Santiago MeloNMLS 1982179
Fairway Independent Mortgage Corporation · Oak Brook, IL · licensed in 4 states
- Real estate investor
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 6
Jeffrey ZulaufNMLS 18566
CrossCountry Mortgage · Suwanee, GA · licensed in 22 states
- Real estate investor
- Condo
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 7
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Real estate investor
- Condo
- Jumbo loan
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- States 13 years of experience (lender page, 2026-10-09)
- 8
Mitchell DunnNMLS 1378534
Loan Factory · Mortgage broker · licensed in 5 states
- Real estate investor
- Asset-based qualifying
- DSCR loan
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- States 15 years of experience (lender page, 2026-10-09)
- 9
Greg FearnleyNMLS 2643728
CrossCountry Mortgage · Tampa, FL · licensed in 26 states
- Real estate investor
- VA loan
- Renovation loan (203k / HomeStyle)
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 11 years of experience (lender page, 2026-10-09)
- 10
John McCabeNMLS 1224505
CrossCountry Mortgage · Clarksville, TN · licensed in 5 states
- Real estate investor
- VA loan
- FHA loan
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 12 years of experience (lender page, 2026-10-09)
- 11
Stacey DowlingNMLS 196631
Xpert Home Lending · Mortgage broker · licensed in 23 states
- Real estate investor
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- 12
Jason HeflinNMLS 338565
CrossCountry Mortgage · Lexington, KY
- Real estate investor
- Down payment assistance
- VA loan
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Office in Lexington, KY
- States 28 years of experience (lender page, 2026-10-09)
- 13
Yanni StefanidisNMLS 1725443
Churchill Mortgage · Irvine, CA · licensed in 16 states
- Real estate investor
- FHA loan
- First-time buyer
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 14
Denise PanzaNMLS 16446
Total Mortgage Services · Naples, FL · licensed in 20 states
- Real estate investor
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 15
Crystal HodgesNMLS 1735979
Loan Factory · Mortgage broker · licensed in 3 states
- Real estate investor
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor 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)
- 16
Molly Barndt, MBA, CSCPNMLS 2236749
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Real estate investor
- Physician and medical professional
- Jumbo loan
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 5 years of experience (lender page, 2026-10-09)
- 17
Luis KercadoNMLS 661857
CrossCountry Mortgage · Tequesta, FL · licensed in 10 states
- Real estate investor
- FHA loan
- HELOC
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Colorado records)
- States 20 years of experience (lender page, 2026-10-09)
- 18
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 9 states
- Real estate investor
- Non-QM loan
- Reverse mortgage
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 19
Shawn KaplanNMLS 184641
CrossCountry Mortgage · Franklin, TN · licensed in 9 states
- Real estate investor
- Non-QM loan
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 20
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Real estate investor
- Down payment assistance
- Jumbo loan
- USDA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 21
Jeffrey AronheimNMLS 235233
CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states
- Real estate investor
- Construction loan
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2007 (per Colorado records)
- 22
Mark VillanoNMLS 1306487
CrossCountry Mortgage · Lakewood, WA · licensed in 29 states
- Real estate investor
- VA loan
- Jumbo loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 23
Michael MurgatroyNMLS 60099
CrossCountry Mortgage · Delray Beach, FL · licensed in 49 states
- Real estate investor
- Jumbo loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- 24
Michelle BobartNMLS 137164
CrossCountry Mortgage · Chicago, IL · licensed in 50 states
- Real estate investor
- Jumbo loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- 25
Aaron DubaNMLS 1525206
CrossCountry Mortgage · Winter Park, FL · licensed in 6 states
- Real estate investor
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Real estate investor on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
Before you choose
Agency limits on financed properties, reserves and rental income treatment push experienced investors toward specialized lenders.
- How many financed properties can I have with your programs?
- Can I close in an LLC?
- Do you offer DSCR or portfolio loans if I hit agency limits?
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=investor&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.