---
canonical_url: https://lendb.ai/s/refinance/illinois
last_verified: 2026-10-28
---

# 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.

## Ranked, with reasons

1. **[Mark Gundersen](https://lendb.ai/lo/mark-gundersen-397893)** (NMLS 397893), Mutual of Omaha Mortgage, St. Charles, IL
   - 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)
2. **[Crystal Santos](https://lendb.ai/lo/crystal-santos-690317)** (NMLS 690317), Consumer Real Estate Finance Co., Spring Grove, IL
   - 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)
3. **[Kim Shuey](https://lendb.ai/lo/kimberly-shuey-410338)** (NMLS 410338), Mutual of Omaha Mortgage, Overland Park, KS
   - 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)
4. **[Natasha Robinson](https://lendb.ai/lo/natasha-robinson-332074)** (NMLS 332074), Guaranteed Rate Affinity, LLC, Chicago, IL
   - 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
5. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS
   - 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)
6. **[Steve Bloom](https://lendb.ai/lo/steven-bloom-130998)** (NMLS 130998), A & N Mortgage Services, Inc., Chicago, IL
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Chicago, IL
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0018468), verified 2026-10-28
   - Earliest state license record: October 10, 2006 (Illinois), per state regulator
7. **[Ron Haddad](https://lendb.ai/lo/ronald-haddad-204443)** (NMLS 204443), Union Home Mortgage, Arlington Heights, IL
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Arlington Heights, IL
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0003405), verified 2026-10-28
   - Earliest state license record: June 23, 2005 (Illinois), per state regulator
   - States 20 years of experience (lender page, 2026-10-14)
8. **[Bill Clince](https://lendb.ai/lo/william-clince-246708)** (NMLS 246708), Guaranteed Rate Affinity, LLC, St. Louis, MO
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0088706), verified 2026-10-28
   - Earliest state license record: January 16, 2013 (Wisconsin), per state regulator
   - States 28 years of experience (lender page, 2026-10-21)
9. **[Steve Hochrein](https://lendb.ai/lo/steven-hochrein-133559)** (NMLS 133559), Newrez, Columbia, MD
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0054687), verified 2026-10-28
   - Earliest state license record: February 21, 2011 (Florida), per state regulator
   - States 14 years of experience (lender page, 2026-10-14)
10. **[Venkat Pitchala](https://lendb.ai/lo/venkateswara-pitchala-2555420)** (NMLS 2555420), The Hill Mortgage Company, IL
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Illinois
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0083872), verified 2026-10-28
   - Earliest state license record: January 29, 2024 (Illinois), per state regulator
11. **[Christine O'Reilly](https://lendb.ai/lo/christine-o-reilly-145242)** (NMLS 145242), Empire Home Loans, Fair Oaks, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0002679), verified 2026-10-28
   - Earliest state license record: June 13, 2005 (Illinois), per state regulator
   - States 37 years of experience (lender page, 2026-10-21)
12. **[Jason Smith](https://lendb.ai/lo/jason-smith-1030753)** (NMLS 1030753), Ladera Lending, Inc., Lake Forest, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0073766), verified 2026-10-28
   - Earliest state license record: June 21, 2013 (Oregon), per state regulator
13. **[Michael Priami](https://lendb.ai/lo/michael-priami-2779885)** (NMLS 2779885), Mutual of Omaha Mortgage, Lombard, IL
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Office in Lombard, IL
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0093151), verified 2026-10-28
   - Earliest state license record: January 13, 2026 (Wisconsin), per state regulator
14. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0028686), verified 2026-10-28
   - Earliest state license record: November 3, 2010 (Illinois), per state regulator
   - States 23 years of experience (lender page, 2026-10-21)
15. **[Christopher Arnold](https://lendb.ai/lo/christopher-arnold-1702764)** (NMLS 1702764), Newrez, Fort Washington, PA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0051908), verified 2026-10-28
   - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
16. **[Tim Tallis](https://lendb.ai/lo/timothy-tallis-339303)** (NMLS 339303), Veterans United Home Loans, Columbia, MO
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0031240), verified 2026-10-28
   - Earliest state license record: June 30, 2011 (California), per state regulator
17. **[Eric Haffner](https://lendb.ai/lo/eric-haffner-1915766)** (NMLS 1915766), Adaxa, LLC
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0095624), verified 2026-10-28
   - Earliest state license record: December 2, 2019 (Iowa), per state regulator
18. **[Ashton Pereida-Rice](https://lendb.ai/lo/ashton-pereida-rice-2022873)** (NMLS 2022873), Ladera Lending, Inc., Ladera Ranch, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0089878), verified 2026-10-28
   - Earliest state license record: September 14, 2020 (Iowa), per state regulator
   - States 5 years of experience (lender page, 2026-10-21)
19. **[Jim Simpson](https://lendb.ai/lo/james-simpson-420787)** (NMLS 420787), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0084294), verified 2026-10-28
   - Earliest state license record: January 15, 2015 (Colorado), per state regulator
   - States 22 years of experience (lender page, 2026-10-20)
20. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0068511), verified 2026-10-28
   - Earliest state license record: April 26, 2021 (Illinois), per state regulator
21. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0073971), verified 2026-10-28
   - Earliest state license record: December 13, 2021 (Illinois), per state regulator
22. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0082999), verified 2026-10-28
   - Earliest state license record: August 27, 2014 (Colorado), per state regulator
   - States 20 years of experience (lender page, 2026-10-20)
23. **[David K. Harrelson](https://lendb.ai/lo/david-harrelson-2819765)** (NMLS 2819765), ENSURE HOME LOANS LLC
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in IL: confirmed with the Illinois regulator (license 31.0095275), verified 2026-10-28
   - Earliest state license record: June 17, 2026 (Illinois), per state regulator
   - States 35 years of experience (lender page, 2026-10-15)
24. **[James Abdallah](https://lendb.ai/lo/james-abdallah-255833)** (NMLS 255833), Lit Financial Corporation, Dearborn, MI
   - 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)
25. **[Patty Wooff](https://lendb.ai/lo/patty-wooff-524249)** (NMLS 524249), First Mid Bank & Trust, Edwardsville, IL
   - 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

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/refinance/illinois.

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