Borrower situations · Illinois
Loan officers for homeowners who are refinancing in Illinois
As of 2026-10-28, LenDb lists 46 loan officers licensed in or based in Illinois whose lender pages show Refinance work. The top-ranked are Mark Gundersen (Mutual of Omaha Mortgage, St. Charles), Crystal Santos (Consumer Real Estate Finance Co., Spring Grove) and Kim Shuey (Mutual of Omaha Mortgage, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in IL, 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
Mark GundersenNMLS 397893
Mutual of Omaha Mortgage · St. Charles, IL · licensed in 11 states
- Refinance
- Down payment assistance
- FHA loan
- First-time buyer
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0033784), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in St. Charles, IL
- Earliest state license record: November 20, 2012 (Illinois), per state regulator
- States 21 years of experience (lender page, 2026-10-20)
- 2
Crystal SantosNMLS 690317
Consumer Real Estate Finance Co. · Spring Grove, IL · licensed in 5 states
- Refinance
- Non-QM loan
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0076844), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Spring Grove, IL
- Earliest state license record: March 28, 2022 (Illinois), per state regulator
- States 25 years of experience (lender page, 2026-10-21)
- 3
Kim ShueyNMLS 410338
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 15 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0077752), verified 2026-10-28
- 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)
- 4
Natasha RobinsonNMLS 332074
Guaranteed Rate Affinity, LLC · Chicago, IL · licensed in 10 states
- Refinance
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0026684), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Chicago, IL
- Earliest state license record: April 20, 2009 (Illinois), per state regulator
- 5
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 IL: confirmed with the Illinois regulator (license 31.0025834), verified 2026-10-28
- 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)
- 6
Steve BloomNMLS 130998
A & N Mortgage Services, Inc. · Chicago, IL · licensed in 9 states
- Refinance
- Real estate investor
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0018468), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Chicago, IL
- Earliest state license record: October 10, 2006 (Illinois), per state regulator
- 7
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Refinance
- Down payment assistance
- Vacation home
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0003405), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Arlington Heights, IL
- Earliest state license record: June 23, 2005 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-14)
- 8
Bill ClinceNMLS 246708
Guaranteed Rate Affinity, LLC · St. Louis, MO
- Refinance
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0088706), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: January 16, 2013 (Wisconsin), per state regulator
- States 28 years of experience (lender page, 2026-10-21)
- 9
Steve HochreinNMLS 133559
Newrez · Columbia, MD · licensed in 15 states
- Refinance
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0054687), verified 2026-10-28
- 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)
- 10
Venkat PitchalaNMLS 2555420
The Hill Mortgage Company · Illinois · licensed in 4 states
- Refinance
- FHA loan
- First-time buyer
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0083872), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Illinois
- Earliest state license record: January 29, 2024 (Illinois), per state regulator
- 11
Christine O'ReillyNMLS 145242
Empire Home Loans · Mortgage broker · Fair Oaks, CA · licensed in 2 states
- Refinance
- FHA loan
- VA loan
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0002679), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 13, 2005 (Illinois), per state regulator
- States 37 years of experience (lender page, 2026-10-21)
- 12
Jason SmithNMLS 1030753
Ladera Lending, Inc. · Lake Forest, CA · licensed in 8 states
- Refinance
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0073766), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 21, 2013 (Oregon), per state regulator
- 13
Michael PriamiNMLS 2779885
Mutual of Omaha Mortgage · Lombard, IL · licensed in 6 states
- Refinance
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0093151), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Lombard, IL
- Earliest state license record: January 13, 2026 (Wisconsin), per state regulator
- 14
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- Refinance
- First-time buyer
- FHA loan
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0028686), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: November 3, 2010 (Illinois), per state regulator
- States 23 years of experience (lender page, 2026-10-21)
- 15
Christopher ArnoldNMLS 1702764
Newrez · Fort Washington, PA · licensed in 15 states
- Refinance
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0051908), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
- 16
Tim TallisNMLS 339303
Veterans United Home Loans · Columbia, MO · licensed in 6 states
- Refinance
- VA loan
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0031240), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 30, 2011 (California), per state regulator
- 17
Eric HaffnerNMLS 1915766
Adaxa, LLC · licensed in 5 states
- Refinance
- HELOC
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0095624), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: December 2, 2019 (Iowa), per state regulator
- 18
Ashton Pereida-RiceNMLS 2022873
Ladera Lending, Inc. · Ladera Ranch, CA · licensed in 3 states
- Refinance
- HELOC
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0089878), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: September 14, 2020 (Iowa), per state regulator
- States 5 years of experience (lender page, 2026-10-21)
- 19
Jim SimpsonNMLS 420787
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0084294), verified 2026-10-28
- 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)
- 20
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0068511), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 21
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0073971), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 13, 2021 (Illinois), per state regulator
- 22
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 IL: confirmed with the Illinois regulator (license 31.0082999), verified 2026-10-28
- 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)
- 23
David K. HarrelsonNMLS 2819765
ENSURE HOME LOANS LLC · licensed in 6 states
- Refinance
- Non-QM loan
- VA loan
- FHA loan
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0095275), verified 2026-10-28
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 17, 2026 (Illinois), per state regulator
- States 35 years of experience (lender page, 2026-10-15)
- 24
James AbdallahNMLS 255833
Lit Financial Corporation · Dearborn, MI · licensed in 6 states
- Refinance
- HELOC
- ✓Licensed in IL: confirmed with the Illinois regulator (license 31.0029346), verified 2026-10-28
- 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)
- 25
Patty WooffNMLS 524249
First Mid Bank & Trust · Bank · Edwardsville, IL
- Refinance
- Construction loan
- HELOC
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Edwardsville, IL
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 IL license is confirmed with the state regulator (check mark), IL 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=IL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.