---
canonical_url: https://lendb.ai/s/new-construction/kentucky
last_verified: 2026-10-09
---

# New construction loan officers in Kentucky

As of 2026-10-09, LenDb lists 11 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.

## Ranked, with reasons

1. **[Bambi Winstead](https://lendb.ai/lo/bambi-winstead-369809)** (NMLS 369809), Acrisure Mortgage (formerly FBC Mortgage), Louisville, KY
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Louisville, KY
   - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2017 (per Florida records)
   - States 17 years of experience (lender page, 2026-10-09)
2. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage
   - Lists New construction 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)
   - Licensed since 2019 (per Florida records)
   - States 25 years of experience (lender page, 2026-10-09)
3. **[Scott Hine](https://lendb.ai/lo/scott-hine-475661)** (NMLS 475661), Fairway Independent Mortgage Corporation, Fredericksburg, VA
   - Lists New construction 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)
   - Licensed since 2020 (per Florida records)
4. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH
   - Lists New construction 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)
   - Licensed since 2025 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
5. **[Karen Chiu](https://lendb.ai/lo/karen-chiu-611778)** (NMLS 611778), CrossCountry Mortgage, San Gabriel, CA
   - Lists New construction 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)
   - Licensed since 2020 (per Colorado records)
6. **[Beth Garrett](https://lendb.ai/lo/beth-garrett-782760)** (NMLS 782760), Ruoff Mortgage
   - Lists New construction 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 11 years of experience (lender page, 2026-10-09)
7. **[Erich Redonda](https://lendb.ai/lo/erich-redonda-1867608)** (NMLS 1867608), U.S. Bank, Louisville, KY
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Louisville, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
8. **[Jeannie Chaney](https://lendb.ai/lo/jeannie-chaney-502496)** (NMLS 502496), U.S. Bank, Florence, KY
   - Lists New construction on lender page (lender page, verified 2026-10-09)
   - Office in Florence, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
9. **[Gene Cooney](https://lendb.ai/lo/gene-cooney-438579)** (NMLS 438579), Ruoff Mortgage
   - Lists New construction 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 25 years of experience (lender page, 2026-10-09)
10. **[Samantha Bayless](https://lendb.ai/lo/samantha-bayless-460970)** (NMLS 460970), Ruoff Mortgage
   - Lists New construction 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)
   - Licensed since 2017 (per Florida records)
   - States 19 years of experience (lender page, 2026-10-09)
11. **[Alan Easterwood](https://lendb.ai/lo/alan-easterwood-644550)** (NMLS 644550), TowneBank Mortgage, Anniston, AL
   - Lists New construction 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)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/new-construction/kentucky.

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