---
canonical_url: https://lendb.ai/s/manufactured/kentucky
last_verified: 2026-10-10
---

# Manufactured home loan officers in Kentucky

As of 2026-10-10, LenDb lists 4 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 Cindy Hammond (Lower, Cleveland). 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. **[Chris Drane](https://lendb.ai/lo/christopher-drane-19621)** (NMLS 19621), Guild Mortgage, Clarksville, IN
   - Lists Manufactured home 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 29, 2022 (Florida), per state regulator
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Deborah Allred Santiago](https://lendb.ai/lo/deborah-allred-santiago-894630)** (NMLS 894630), Union Home Mortgage, Lexington, KY
   - Lists Manufactured home 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)
3. **[Cindy Hammond](https://lendb.ai/lo/cynthia-hammond-164102)** (NMLS 164102), Lower, Cleveland, GA
   - Lists Manufactured home on lender page (lender page, verified 2026-10-10)
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 4, 2021 (Florida), per state regulator
   - States 25 years of experience (lender page, 2026-10-10)
4. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN
   - Lists Manufactured home 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 27, 2021 (Florida), per state regulator

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/manufactured/kentucky.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._