Property types · Kentucky
New construction loan officers in Kentucky
As of 2026-10-09, LenDb lists 12 loan officers licensed in or based in Kentucky whose lender pages show New construction work. The top-ranked are Bambi Winstead (Acrisure Mortgage (formerly FBC Mortgage), Louisville), Sheri Watkins (Ruoff Mortgage) and Scott Hine (Fairway Independent Mortgage Corporation, Fredericksburg). 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 12
- 1
Bambi WinsteadNMLS 369809
Acrisure Mortgage (formerly FBC Mortgage) · Louisville, KY · licensed in 5 states
- New construction
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Office in Louisville, KY
- Licensed since 2017 (per Florida records)
- States 17 years of experience (lender page, 2026-10-09)
- 2
Sheri WatkinsNMLS 279665
Ruoff Mortgage · licensed in 8 states
- New construction
- First-time buyer
- Vacation home
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 3
Scott HineNMLS 475661
Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 14 states
- New construction
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- 4
Kylie MillerNMLS 562713
CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states
- New construction
- Jumbo loan
- 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 New construction 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)
- 5
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- New construction
- Condo
- First-time buyer
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Colorado records)
- 6
Beth GarrettNMLS 782760
Ruoff Mortgage · licensed in 2 states
- New construction
- Down payment assistance
- First-time buyer
- Low credit score
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- States 11 years of experience (lender page, 2026-10-09)
- 7
Erich RedondaNMLS 1867608
U.S. Bank · Bank · Louisville, KY
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Office in Louisville, KY
- 8
Jeannie ChaneyNMLS 502496
U.S. Bank · Bank · Florence, KY
- New construction
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Office in Florence, KY
- 9
Gene CooneyNMLS 438579
Ruoff Mortgage · licensed in 2 states
- New construction
- HELOC
- Renovation loan (203k / HomeStyle)
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 10
Samantha BaylessNMLS 460970
Ruoff Mortgage · licensed in 3 states
- New construction
- USDA loan
- Down payment assistance
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 19 years of experience (lender page, 2026-10-09)
- 11
Alan EasterwoodNMLS 644550
TowneBank Mortgage · Bank · Anniston, AL · licensed in 18 states
- New construction
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- 12
Tracy BolenNMLS 1734508
American Pacific Mortgage · Roseville, CA · licensed in 51 states
- New construction
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists New construction on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
Before you choose
Long closing timelines need extended rate locks, and builder incentives often push buyers toward a preferred lender.
- Can you offer an extended rate lock that covers the build timeline?
- How do you compare with the builder's preferred lender incentives?
- What happens if the completion date slips?
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=new-construction&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.