Borrower situations · Delaware
Loan officers for homeowners who are refinancing in Delaware
As of 2026-10-30, LenDb lists 25 loan officers licensed in or based in Delaware whose lender pages show Refinance work. The top-ranked are Martha Pfeiffer (CrossCountry Mortgage, Dover), Kim Shuey (Mutual of Omaha Mortgage, Overland Park) and Stephanie O'Farrell (Mutual of Omaha Mortgage, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in DE, 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
Martha PfeifferNMLS 1722079
CrossCountry Mortgage · Dover, DE · licensed in 2 states
- Refinance
- FHA loan
- VA loan
- Construction loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Dover, DE
- States 20 years of experience (lender page, 2026-10-26)
- 2
Kim ShueyNMLS 410338
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 15 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 22, 2011 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 3
Stephanie O'FarrellNMLS 95809
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 17, 2008 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 4
Steve HochreinNMLS 133559
Newrez · Columbia, MD · licensed in 15 states
- Refinance
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 21, 2011 (Florida), per state regulator
- States 14 years of experience (lender page, 2026-10-14)
- 5
Kris HermannNMLS 1247814
Lit Financial Corporation · licensed in 6 states
- Refinance
- HELOC
- VA loan
- FHA loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 17, 2015 (Colorado), per state regulator
- States 10 years of experience (lender page, 2026-10-19)
- 6
Christopher ArnoldNMLS 1702764
Newrez · Fort Washington, PA · licensed in 15 states
- Refinance
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
- 7
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
- States 6 years of experience (lender page, 2026-10-26)
- 8
Jason StallworthNMLS 7577
Embrace Home Loans · Amityville, NY · licensed in 10 states
- Refinance
- FHA loan
- First-time buyer
- Non-QM loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 24, 2021 (Florida), per state regulator
- 9
Jim SimpsonNMLS 420787
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 15, 2015 (Colorado), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 10
Megan CurtisNMLS 1621681
Pennymac · Pasadena, CA · licensed in 9 states
- Refinance
- HELOC
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: September 12, 2017 (Colorado), per state regulator
- 11
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 12
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 27, 2014 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 13
Phil HeinleyNMLS 1674192
Adaxa, LLC · Phoenix, AZ · licensed in 6 states
- Refinance
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: April 23, 2019 (Iowa), per state regulator
- 14
James AbdallahNMLS 255833
Lit Financial Corporation · Dearborn, MI · licensed in 6 states
- Refinance
- HELOC
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 8, 2011 (Illinois), per state regulator
- States 22 years of experience (lender page, 2026-10-19)
- 15
Natasha RobinsonNMLS 332074
Guaranteed Rate Affinity, LLC · Chicago, IL · licensed in 10 states
- Refinance
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: April 20, 2009 (Illinois), per state regulator
- 16
Tyler BahnsenNMLS 362852
CMG Home Loans · Miami, FL · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: October 20, 2011 (Florida), per state regulator
- States 21 years of experience (lender page, 2026-10-20)
- 17
Khash SaghafiNMLS 120117
Liberty Home Mortgage Corporation · Independence, OH · licensed in 14 states
- Refinance
- FHA loan
- USDA loan
- VA loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: October 24, 2014 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-15)
- 18
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 23, 2016 (California), per state regulator
- 19
Britainy WilkersonNMLS 1137924
Xpert Home Lending · Mortgage broker · Roseville, CA · licensed in 16 states
- Refinance
- VA loan
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: December 4, 2023 (Iowa), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 20
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 21
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 22
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- Refinance
- Real estate investor
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: June 26, 2025 (Florida), per state regulator
- 23
Nina MirianiNMLS 2703369
Lit Financial Corporation · licensed in 4 states
- Refinance
- HELOC
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: August 5, 2025 (Florida), per state regulator
- 24
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 15, 2022 (Florida), per state regulator
- 25
Amber MancinoNMLS 1576080
CrossCountry Mortgage · Wilmington, DE · licensed in 7 states
- Refinance
- FHA loan
- First-time buyer
- ✓Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Wilmington, DE
- Earliest state license record: January 25, 2022 (Florida), per state regulator
- States 3 years of experience (lender page, 2026-10-22)
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
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 DE license is confirmed with the state regulator (check mark), DE 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 (the earliest state license record in the regulator rosters we hold, or years the loan officer states) 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=refinance&state=DE. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.