{ "canonical_url": "https://lendb.ai/s/refinance/illinois", "summary": "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.", "specialty": "refinance", "state": "IL", "total": 46, "last_verified": "2026-10-28", "results": [ { "rank": 1, "score": 63.8, "loan_officer": { "nmls_id": 397893, "slug": "mark-gundersen-397893", "full_name": "Mark Gundersen", "licensed_names": [ { "name": "Mark Gundersen", "name_with_middle_initial": "Mark J. Gundersen", "first_name": "Mark", "middle_initial": "J", "last_name": "Gundersen", "states": [ "CA", "CO", "CT", "FL", "IA", "MA", "MD", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/mark-gundersen-397893", "json_url": "https://lendb.ai/lo/mark-gundersen-397893.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": "St. Charles", "state": "IL" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/MarkGundersen.webp", "licensed_states": [ "FL", "CO", "TX", "CT", "IA", "OR", "WI", "CA", "MA", "MD", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "dscr", "heloc", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-11-20", "state": "IL" }, "licensed_since": { "year": 2012, "state": "IL" }, "years_experience": 21, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/mgundersen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in St. Charles, IL", "Licensed in IL: confirmed with the Illinois regulator (license 31.0033784), verified 2026-10-28", "Earliest state license record: November 20, 2012 (Illinois), per state regulator", "States 21 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/mark-gundersen-397893", "license_check": { "state": "IL", "confidence": "confirmed", "eligible": true, "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0033784), verified 2026-10-28", "verified_at": "2026-10-28", "source_url": "https://idfpr.illinois.gov/banks/resfin.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 63.8, "loan_officer": { "nmls_id": 690317, "slug": "crystal-santos-690317", "full_name": "Crystal Santos", "licensed_names": [ { "name": "Crystal Santos", "name_with_middle_initial": "Crystal S. Santos", "first_name": "Crystal", "middle_initial": "S", "last_name": "Santos", "states": [ "AR", "FL", "IA", "MO" ], "source": "state_regulator", "as_of": "2026-10-20" } ], "canonical_url": "https://lendb.ai/lo/crystal-santos-690317", "json_url": "https://lendb.ai/lo/crystal-santos-690317.json", "lender": { "nmls_id": 104621, "name": "Consumer Real Estate Finance Co.", "slug": "consumer-real-estate-finance-co-104621", "canonical_url": "https://lendb.ai/lender/consumer-real-estate-finance-co-104621", "type": "imb" }, "branch": { "city": "Spring Grove", "state": "IL" }, "headshot_url": "https://societymortgage.com/wp-content/uploads/2025/11/Crystal-Santos_Profile.jpg", "licensed_states": [ "FL", "MO", "AR", "IA", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "first-time-buyer" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-03-28", "state": "IL" }, "licensed_since": { "year": 2022, "state": "IL" }, "years_experience": 25, "lender_profile_url": "https://societymortgage.com/loan-experts/crystal-santos/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Spring Grove, IL", "Licensed in IL: confirmed with the Illinois regulator (license 31.0076844), verified 2026-10-28", "Earliest state license record: March 28, 2022 (Illinois), per state regulator", "States 25 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/crystal-santos-690317", "license_check": { "state": "IL", "confidence": "confirmed", "eligible": true, "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0076844), verified 2026-10-28", "verified_at": "2026-10-28", "source_url": "https://idfpr.illinois.gov/banks/resfin.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "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 IL: confirmed with the Illinois regulator (license 31.0077752), verified 2026-10-28", "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": "IL", "confidence": "confirmed", "eligible": true, "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0077752), verified 2026-10-28", "verified_at": "2026-10-28", "source_url": "https://idfpr.illinois.gov/banks/resfin.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 62.3, "loan_officer": { "nmls_id": 332074, "slug": "natasha-robinson-332074", "full_name": "Natasha Robinson", "licensed_names": [ { "name": "Natasha Robinson", "name_with_middle_initial": "Natasha L. Robinson", "first_name": "Natasha", "middle_initial": "L", "last_name": "Robinson", "states": [ "CA", "CT", "DE", "FL", "IA", "LA", "NY", "TX" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/natasha-robinson-332074", "json_url": "https://lendb.ai/lo/natasha-robinson-332074.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "headshot_url": "https://a.mktgcdn.com/p/KU8CAHa6zdS6J6W_vAG5YGeJXnbcZ0lk_mq89qecKTs/191x275.jpg", "licensed_states": [ "FL", "TX", "NY", "CT", "LA", "DE", "IA", "WI", "CA", "IL" ], "licenses": [ { "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": "NY", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "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": "2009-04-20", "state": "IL" }, "licensed_since": { "year": 2009, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://www.grarate.com/loan-officers/natasha-robinson-332074", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Chicago, IL", "Licensed in IL: confirmed with the Illinois regulator (license 31.0026684), verified 2026-10-28", "Earliest state license record: April 20, 2009 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/natasha-robinson-332074", "license_check": { "state": "IL", "confidence": "confirmed", "eligible": true, "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0026684), verified 2026-10-28", "verified_at": "2026-10-28", "source_url": "https://idfpr.illinois.gov/banks/resfin.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "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 IL: confirmed with the Illinois regulator (license 31.0025834), verified 2026-10-28", "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": "IL", "confidence": "confirmed", "eligible": true, "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0025834), verified 2026-10-28", "verified_at": "2026-10-28", "source_url": "https://idfpr.illinois.gov/banks/resfin.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 60, "loan_officer": { "nmls_id": 130998, "slug": "steven-bloom-130998", "full_name": "Steve Bloom", "licensed_names": [ { "name": "Steven Bloom", "name_with_middle_initial": "Steven B. 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"state": "IL" }, "licensed_since": { "year": 2011, "state": "IL" }, "years_experience": 22, "lender_profile_url": "https://litfinancial.com/loan-experts/james-abdallah", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in IL: confirmed with the Illinois regulator (license 31.0029346), verified 2026-10-28", "Earliest state license record: February 8, 2011 (Illinois), per state regulator", "States 22 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/james-abdallah-255833", "license_check": { "state": "IL", "confidence": "confirmed", "eligible": true, "label": "Licensed in IL: confirmed with the Illinois regulator (license 31.0029346), verified 2026-10-28", "verified_at": "2026-10-28", "source_url": "https://idfpr.illinois.gov/banks/resfin.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 25, "score": 52.8, "loan_officer": { "nmls_id": 524249, "slug": "patty-wooff-524249", "full_name": "Patty Wooff", "canonical_url": "https://lendb.ai/lo/patty-wooff-524249", "json_url": "https://lendb.ai/lo/patty-wooff-524249.json", "lender": { "nmls_id": 411170, "name": "First Mid Bank & Trust", "slug": "first-mid-bank-trust-411170", "canonical_url": "https://lendb.ai/lender/first-mid-bank-trust-411170", "type": "bank" }, "branch": { "city": "Edwardsville", "state": "IL" }, "headshot_url": "https://www.firstmid.com/assets/files/6jnBot1U/WooffP_275x360.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.firstmid.com/staff/patty-wooff", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Edwardsville, IL", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/patty-wooff-524249", "license_check": { "state": "IL", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" } ] }