--- canonical_url: https://lendb.ai/s/investor/kentucky last_verified: 2026-10-11 --- # Loan officers for real estate investors in Kentucky As of 2026-10-11, 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. ## Ranked, with reasons 1. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 2. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 6, 2012 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 3. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 5, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 4. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 11, 2017 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 5. **[Santiago Melo](https://lendb.ai/lo/hermes-melo-1982179)** (NMLS 1982179), Fairway Independent Mortgage Corporation, Oak Brook, IL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 2, 2023 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 6. **[Jeffrey Zulauf](https://lendb.ai/lo/jeffrey-zulauf-18566)** (NMLS 18566), CrossCountry Mortgage, Suwanee, GA - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 28, 2019 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 7. **[Maggie Mikaitis](https://lendb.ai/lo/maggie-mikaitis-1395394)** (NMLS 1395394), CrossCountry Mortgage, Chicago, IL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2018 (Florida), per state regulator - States 13 years of experience (lender page, 2026-10-09) 8. **[Mitchell Dunn](https://lendb.ai/lo/mitchell-dunn-1378534)** (NMLS 1378534), Loan Factory - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY 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. **[Greg Fearnley](https://lendb.ai/lo/gregory-fearnley-2643728)** (NMLS 2643728), CrossCountry Mortgage, Tampa, FL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 8, 2025 (Florida), per state regulator - States 11 years of experience (lender page, 2026-10-09) 10. **[John McCabe](https://lendb.ai/lo/john-mccabe-1224505)** (NMLS 1224505), CrossCountry Mortgage, Clarksville, TN - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 17, 2017 (Florida), per state regulator - States 12 years of experience (lender page, 2026-10-09) 11. **[Jason Heflin](https://lendb.ai/lo/jason-heflin-338565)** (NMLS 338565), CrossCountry Mortgage, Lexington, KY - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - Office in Lexington, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 28 years of experience (lender page, 2026-10-09) 12. **[Yanni Stefanidis](https://lendb.ai/lo/ioannis-stefanidis-1725443)** (NMLS 1725443), Churchill Mortgage, Irvine, CA - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 27, 2026 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 13. **[Denise Panza](https://lendb.ai/lo/denise-panza-16446)** (NMLS 16446), Total Mortgage Services, Naples, FL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 10, 2011 (Florida), per state regulator - States 30 years of experience (lender page, 2026-10-09) 14. **[Crystal Hodges](https://lendb.ai/lo/crystal-hodges-1735979)** (NMLS 1735979), Loan Factory - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 12, 2021 (Florida), per state regulator - States 10 years of experience (lender page, 2026-10-09) 15. **[Molly Barndt, MBA, CSCP](https://lendb.ai/lo/molly-barndt-2236749)** (NMLS 2236749), CrossCountry Mortgage, Chicago, IL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 8, 2025 (Florida), per state regulator - States 5 years of experience (lender page, 2026-10-09) 16. **[Luis Kercado](https://lendb.ai/lo/luis-kercado-661857)** (NMLS 661857), CrossCountry Mortgage, Tequesta, FL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 22, 2025 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-09) 17. **[Patrick Stoy](https://lendb.ai/lo/patrick-stoy-39527)** (NMLS 39527), CrossCountry Mortgage, Wilmington, NC - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-09) 18. **[Shawn Kaplan](https://lendb.ai/lo/shawn-kaplan-184641)** (NMLS 184641), CrossCountry Mortgage, Franklin, TN - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 12, 2023 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-09) 19. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 10, 2017 (Florida), per state regulator - States 21 years of experience (lender page, 2026-10-09) 20. **[Jeffrey Aronheim](https://lendb.ai/lo/jeffrey-aronheim-235233)** (NMLS 235233), CrossCountry Mortgage, Greenwood Village, CO - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 9, 2007 (Colorado), per state regulator 21. **[Reed Hazard](https://lendb.ai/lo/reed-hazard-291490)** (NMLS 291490), CMG Home Loans, San Clemente, CA - Lists Real estate investor on lender page (lender page, verified 2026-10-11) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 28, 2017 (Florida), per state regulator 22. **[Mark Villano](https://lendb.ai/lo/mark-villano-1306487)** (NMLS 1306487), CrossCountry Mortgage, Lakewood, WA - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 2, 2019 (Colorado), per state regulator - States 12 years of experience (lender page, 2026-10-09) 23. **[Michael Murgatroy](https://lendb.ai/lo/michael-murgatroy-60099)** (NMLS 60099), CrossCountry Mortgage, Delray Beach, FL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 9, 2011 (Colorado), per state regulator 24. **[Michelle Bobart](https://lendb.ai/lo/michelle-bobart-137164)** (NMLS 137164), CrossCountry Mortgage, Chicago, IL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 17, 2011 (Colorado), per state regulator 25. **[Aaron Duba](https://lendb.ai/lo/aaron-duba-1525206)** (NMLS 1525206), CrossCountry Mortgage, Winter Park, FL - Lists Real estate investor on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 1, 2023 (Florida), per state regulator ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/investor/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._