Loan programs · Kentucky
Jumbo loan officers in Kentucky
As of 2026-10-09, LenDb lists 60 loan officers licensed in or based in Kentucky whose lender pages show Jumbo loan work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), Alexis Varga (CrossCountry Mortgage, Chicago) and John Noldan (CrossCountry Mortgage, Elmhurst). 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
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Jumbo loan
- Non-QM loan
- Real estate investor
- Self-employed
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan 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)
- 2
Alexis VargaNMLS 1473179
CrossCountry Mortgage · Chicago, IL · licensed in 12 states
- Jumbo loan
- FHA loan
- USDA loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- States 10 years of experience (lender page, 2026-10-09)
- 3
John NoldanNMLS 193680
CrossCountry Mortgage · Elmhurst, IL · licensed in 22 states
- Jumbo loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 4
Jason SmithNMLS 210839
CrossCountry Mortgage · Scottsdale, AZ · licensed in 18 states
- Jumbo loan
- Down payment assistance
- Non-QM loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 5
Coley RauNMLS 256481
CrossCountry Mortgage · Bryan, OH · licensed in 26 states
- Jumbo loan
- Down payment assistance
- Real estate investor
- USDA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan 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)
- 6
Christina EwingNMLS 386807
CrossCountry Mortgage · Chicago, IL · licensed in 15 states
- Jumbo loan
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan 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)
- 7
Kylie MillerNMLS 562713
CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states
- Jumbo loan
- New construction
- Physician and medical professional
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 8
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Jumbo loan
- Self-employed
- Construction loan
- USDA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 9
Josh PatrickNMLS 667835
CrossCountry Mortgage · Newport Beach, CA · licensed in 18 states
- Jumbo loan
- Non-QM loan
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 10
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Jumbo loan
- Non-QM loan
- Reverse mortgage
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 28 years of experience (lender page, 2026-10-09)
- 11
Gregory TilyNMLS 1720774
CrossCountry Mortgage · Tampa, FL · licensed in 21 states
- Jumbo loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 12
Alex GiftNMLS 902654
JPMorgan Chase Bank (Chase Home Lending) · Bank · Louisville, KY
- Jumbo loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Louisville, KY
- Licensed since 2025 (per Florida records)
- 13
Justin BonuraNMLS 73184
CrossCountry Mortgage · Denville, NJ · licensed in 19 states
- Jumbo loan
- Condo
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 14
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Jumbo loan
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2010 (per Florida records)
- 15
Mark VillanoNMLS 1306487
CrossCountry Mortgage · Lakewood, WA · licensed in 29 states
- Jumbo loan
- VA loan
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan 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)
- 16
Michael MurgatroyNMLS 60099
CrossCountry Mortgage · Delray Beach, FL · licensed in 49 states
- Jumbo loan
- Real estate investor
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- 17
Michelle BobartNMLS 137164
CrossCountry Mortgage · Chicago, IL · licensed in 50 states
- Jumbo loan
- Real estate investor
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- 18
Bobby DorganNMLS 2536169
Loan Factory · Mortgage broker · licensed in 3 states
- Jumbo loan
- FHA loan
- First-time buyer
- HELOC
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 18 years of experience (lender page, 2026-10-09)
- 19
Alex MargulisNMLS 192878
CrossCountry Mortgage · Chicago, IL · licensed in 29 states
- Jumbo loan
- Down payment assistance
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- 20
Scott EvansNMLS 256163
CrossCountry Mortgage · San Diego, CA · licensed in 38 states
- Jumbo loan
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2013 (per Florida records)
- 21
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Jumbo loan
- Condo
- Real estate investor
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan 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)
- 22
Tyler CainNMLS 118156
Embrace Home Loans · Temple Terrace, FL · licensed in 9 states
- Jumbo loan
- FHA loan
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 23
Heidi GageNMLS 213769
NFM Lending · Linthicum, MD · licensed in 27 states
- Jumbo loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 24
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Jumbo loan
- Non-QM loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- 25
Jenny RutledgeNMLS 724686
Ruoff Mortgage · Kentucky · licensed in 2 states
- Jumbo loan
- Construction loan
- FHA loan
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
- Office in Kentucky
Before you choose
Jumbo guidelines are set by each lender, with stricter reserves, credit and documentation than conforming loans.
- What reserves and credit score do your jumbo programs require?
- Do you offer interest-only or ARM jumbo options?
- Can you do a jumbo with less than 20 percent down?
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=jumbo&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.