Borrower situations · Indiana
Loan officers for homeowners who are refinancing in Indiana
As of 2026-10-26, LenDb lists 155 loan officers licensed in or based in Indiana whose lender pages show Refinance work. The top-ranked are Jeremy Wetzel (CrossCountry Mortgage, Louisville), Mike Schuster (CrossCountry Mortgage, Columbia) and Bill White (CrossCountry Mortgage, Cincinnati). Ranking is lender-neutral: specialty evidence first, then a license in IN, 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
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- Refinance
- First-time buyer
- FHA loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- 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)
- 2
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 3
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 13, 2021 (Illinois), per state regulator
- 4
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- 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)
- 5
DJ JoyceNMLS 2540027
CrossCountry Mortgage · Cleveland, OH · licensed in 12 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 21, 2023 (Oregon), per state regulator
- 6
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 7
Matt FensterNMLS 21524
Guild Mortgage · Middletown, RI · licensed in 12 states
- Refinance
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 15, 2026 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 8
Steve BloomNMLS 130998
A & N Mortgage Services, Inc. · Chicago, IL · licensed in 9 states
- Refinance
- Real estate investor
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: October 10, 2006 (Illinois), per state regulator
- 9
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Refinance
- Down payment assistance
- Vacation home
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 23, 2005 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-14)
- 10
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 23, 2016 (California), per state regulator
- 11
Venkat PitchalaNMLS 2555420
The Hill Mortgage Company · Illinois · licensed in 4 states
- Refinance
- FHA loan
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 29, 2024 (Illinois), per state regulator
- 12
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 26, 2011 (Oregon), per state regulator
- 13
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 14
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- 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)
- 15
Jatin BajajNMLS 2619203
ENSURE HOME LOANS LLC · licensed in 2 states
- Refinance
- Jumbo loan
- VA loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- 16
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 16, 2017 (California), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 17
Spencer WartmanNMLS 2109932
Trident Home Loans · Pensacola, FL · licensed in 22 states
- Refinance
- VA loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 18, 2022 (Florida), per state regulator
- 18
David BarbanNMLS 714730
Endeavor Capital, LLC · Chesterfield, MO · licensed in 7 states
- Refinance
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: January 16, 2024 (Iowa), per state regulator
- 19
Carol FreemanNMLS 231466
CrossCountry Mortgage · Fishers, IN · licensed in 2 states
- Refinance
- Jumbo loan
- VA loan
- FHA loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Fishers, IN
- Earliest state license record: October 13, 2025 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 20
Chad FallisNMLS 292827
CrossCountry Mortgage · Carmel, IN · licensed in 4 states
- Refinance
- Non-QM loan
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Carmel, IN
- Earliest state license record: August 12, 2019 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-22)
- 21
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: August 15, 2022 (Florida), per state regulator
- 22
Adam SnivelyNMLS 130875
CrossCountry Mortgage · Zionsville, IN
- Refinance
- Construction loan
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Zionsville, IN
- Earliest state license record: February 16, 2017 (Florida), per state regulator
- 23
Jessica WeeksNMLS 1804529
CrossCountry Mortgage · Noblesville, IN · licensed in 2 states
- Refinance
- Down payment assistance
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Noblesville, IN
- Earliest state license record: January 7, 2019 (Iowa), per state regulator
- 24
Kyle O'KeefeNMLS 158077
CrossCountry Mortgage · Fishers, IN · licensed in 27 states
- Refinance
- FHA loan
- First-time buyer
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Fishers, IN
- Earliest state license record: October 17, 2022 (Colorado), per state regulator
- 25
Earl RoseNMLS 212480
CrossCountry Mortgage · Bloomington, MN · licensed in 15 states
- Refinance
- Reverse mortgage
- IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: January 7, 2014 (Wisconsin), per state regulator
- States 45 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 IN license is confirmed with the state regulator (check mark), IN 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=IN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.