{ "canonical_url": "https://lendb.ai/s/refinance/delaware", "summary": "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.", "specialty": "refinance", "state": "DE", "total": 25, "last_verified": "2026-10-30", "results": [ { "rank": 1, "score": 70.8, "loan_officer": { "nmls_id": 1722079, "slug": "martha-pfeiffer-1722079", "full_name": "Martha Pfeiffer", "licensed_names": [ { "name": "Martha Pfeiffer", "name_with_middle_initial": "Martha L. Pfeiffer", "first_name": "Martha", "middle_initial": "L", "last_name": "Pfeiffer", "states": [ "DE", "MD" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/martha-pfeiffer-1722079", "json_url": "https://lendb.ai/lo/martha-pfeiffer-1722079.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dover", "state": "DE" }, "headshot_url": "https://thevault.ccm.com/asset/ea892dd8-a288-48d0-b018-99e47cdf699a/Website/3859_Pfeiffer_1722079.jpg", "licensed_states": [ "DE", "MD" ], "licenses": [ { "state": "DE", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "down-payment-assistance", "dscr", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/dover-de-3859/martha-pfeiffer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Dover, DE", "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/martha-pfeiffer-1722079", "license_check": { "state": "DE", "confidence": "confirmed", "eligible": true, "label": "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "verified_at": "2026-10-30", "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 62.5, "loan_officer": { "nmls_id": 410338, "slug": "kimberly-shuey-410338", "full_name": "Kim Shuey", "licensed_names": [ { "name": "Kimberly Shuey", "name_with_middle_initial": "Kimberly A. Shuey", "first_name": "Kimberly", "middle_initial": "A", "last_name": "Shuey", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Kimberly Shuey", "name_with_middle_initial": null, "first_name": "Kimberly", "middle_initial": null, "last_name": "Shuey", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "slug": "mutual-of-omaha-mortgage-1025894", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg", "licensed_states": [ "FL", "CO", "TX", "CT", "DE", "MO", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "dscr", "heloc", "investor", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-07-22", "state": "TX" }, "licensed_since": { "year": 2011, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "Earliest state license record: July 22, 2011 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "license_check": { "state": "DE", "confidence": "confirmed", "eligible": true, "label": "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "verified_at": "2026-10-30", "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 61, "loan_officer": { "nmls_id": 95809, "slug": "stephanie-o-farrell-95809", "full_name": "Stephanie O'Farrell", "licensed_names": [ { "name": "Stephanie O'Farrell", "name_with_middle_initial": "Stephanie L. O'Farrell", "first_name": "Stephanie", "middle_initial": "L", "last_name": "O'Farrell", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "json_url": "https://lendb.ai/lo/stephanie-o-farrell-95809.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "slug": "mutual-of-omaha-mortgage-1025894", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/Stephanie_OFarrell.png", "licensed_states": [ "FL", "CO", "TX", "CT", "LA", "DE", "MO", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "dscr", "heloc", "investor", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2008-11-17", "state": "IL" }, "licensed_since": { "year": 2008, "state": "IL" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/sofarrell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "Earliest state license record: November 17, 2008 (Illinois), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "license_check": { "state": "DE", "confidence": "confirmed", "eligible": true, "label": "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "verified_at": "2026-10-30", "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 59.5, "loan_officer": { "nmls_id": 133559, "slug": "steven-hochrein-133559", "full_name": "Steve Hochrein", "licensed_names": [ { "name": "Steven Hochrein", "name_with_middle_initial": "Steven F. Hochrein", "first_name": "Steven", "middle_initial": "F", "last_name": "Hochrein", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "LA", "MA", "MD", "MO", "NY", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Steven Hochrein", "name_with_middle_initial": null, "first_name": "Steven", "middle_initial": null, "last_name": "Hochrein", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559", "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": "https://www.newrez.com/media/l0dokb2s/steven-hochrein-1.jpg?width=460&height=614&rmode=crop&format=webp&quality=80", "licensed_states": [ "FL", "TX", "CT", "LA", "DE", "MO", "AZ", "MA", "AR", "IA", "WI", "CA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-02-21", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "Earliest state license record: February 21, 2011 (Florida), per state regulator", "States 14 years of experience (lender page, 2026-10-14)" ], "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559", "license_check": { "state": "DE", "confidence": "confirmed", "eligible": true, "label": "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "verified_at": "2026-10-30", "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 56.3, "loan_officer": { "nmls_id": 1247814, "slug": "kris-hermann-1247814", "full_name": "Kris Hermann", "licensed_names": [ { "name": "Kristopher Hermann", "name_with_middle_initial": "Kristopher M. Hermann", "first_name": "Kristopher", "middle_initial": "M", "last_name": "Hermann", "states": [ "CA", "CO", "DE", "LA", "NY", "OR", "PA" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "json_url": "https://lendb.ai/lo/kris-hermann-1247814.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "slug": "lit-financial-2553292", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": "https://litfinancial.com/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fcjhhhqmd%2Fproduction%2F5a1d36d1a99923190b06f4c16ee850accda294c5-1200x1200.png%3Frect%3D120%2C0%2C960%2C1200%26w%3D800%26h%3D1000%26fit%3Dmax%26auto%3Dformat&w=3840&q=75", "licensed_states": [ "CO", "PA", "LA", "DE", "OR", "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "dscr", "first-time-buyer", "investor", "jumbo", "reverse", "self-employed" ], "years_licensed": null, "earliest_license_record": { "date": "2015-02-17", "state": "CO" }, "licensed_since": { "year": 2015, "state": "CO" }, "years_experience": 10, "lender_profile_url": "https://litfinancial.com/loan-experts/kris-hermann", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "Earliest state license record: February 17, 2015 (Colorado), per state regulator", "States 10 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "license_check": { "state": "DE", "confidence": "confirmed", "eligible": true, "label": "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "verified_at": "2026-10-30", "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 56, "loan_officer": { "nmls_id": 1702764, "slug": "christopher-arnold-1702764", "full_name": "Christopher Arnold", "licensed_names": [ { "name": "Christopher Arnold", "name_with_middle_initial": "Christopher M. Arnold", "first_name": "Christopher", "middle_initial": "M", "last_name": "Arnold", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764", "json_url": "https://lendb.ai/lo/christopher-arnold-1702764.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Fort Washington", "state": "PA" }, "headshot_url": "https://www.newrez.com/media/aa4llk2h/chris-arnold_web.jpg?width=460&height=614&rmode=crop&format=webp&quality=80", "licensed_states": [ "FL", "TX", "CT", "DE", "MO", "AZ", "MA", "AR", "IA", "OR", "WI", "CA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-01-30", "state": "WI" }, "licensed_since": { "year": 2018, "state": "WI" }, "years_experience": null, "lender_profile_url": "https://www.newrez.com/find-loan-officer/chris-arnold/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "Earliest state license record: January 30, 2018 (Wisconsin), per state regulator" ], "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764", "license_check": { "state": "DE", "confidence": "confirmed", "eligible": true, "label": "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30", "verified_at": "2026-10-30", "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 55, "loan_officer": { "nmls_id": 2026522, "slug": "james-conley-2026522", "full_name": "James Conley", "licensed_names": [ { "name": "James Conley", "name_with_middle_initial": "James F. 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