Property types · Kentucky
Manufactured home loan officers in Kentucky
As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Kentucky whose lender pages show Manufactured home work. The top-ranked are Chris Drane (Guild Mortgage, Clarksville), Deborah Allred Santiago (Union Home Mortgage, Lexington) and Robert Carter (Highlands Residential Mortgage, Knoxville). 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 3
- 1
Chris DraneNMLS 19621
Guild Mortgage · Clarksville, IN · licensed in 5 states
- Manufactured home
- First-time buyer
- Non-QM loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Manufactured home on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Deborah Allred SantiagoNMLS 894630
Union Home Mortgage · Lexington, KY · licensed in 2 states
- Manufactured home
- Condo
- Construction loan
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Manufactured home on lender page (lender page, verified 2026-10-09)
- Office in Lexington, KY
- 3
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Manufactured home
- Condo
- Construction loan
- Vacation home
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Manufactured home on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
Before you choose
Foundation certifications, land ownership and title status determine eligibility, and many lenders do not offer these loans at all.
- Do you finance manufactured homes as real property, chattel, or both?
- What foundation certification and age requirements apply?
- Can the land and home be financed together?
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=manufactured&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.