Borrower situations · Kentucky
Loan officers for homeowners who are refinancing in Kentucky
As of 2026-10-26, LenDb lists 112 loan officers licensed in or based in Kentucky whose lender pages show Refinance work. The top-ranked are Jeremy Wetzel (CrossCountry Mortgage, Louisville), Bill White (CrossCountry Mortgage, Cincinnati) and Eric Raso (CMG Home Loans, Tempe). Ranking is lender-neutral: specialty evidence first, then a license in KY, 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
- KY 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)
- Office in Louisville, KY
- Earliest state license record: November 3, 2010 (Illinois), per state regulator
- States 23 years of experience (lender page, 2026-10-21)
- 2
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- KY 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
- 3
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- KY 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)
- 4
DJ JoyceNMLS 2540027
CrossCountry Mortgage · Cleveland, OH · licensed in 12 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- KY 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
- 5
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- KY 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
- 6
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- KY 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
- 7
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- KY 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
- 8
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- KY 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 27, 2010 (California), per state regulator
- 9
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- KY 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)
- 10
Krystyn SminkNMLS 2568385
Gershman Investment Corp. · Clarksville, TN · licensed in 5 states
- Refinance
- First-time buyer
- Real estate investor
- KY 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)
- 11
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- KY 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)
- 12
Spencer WartmanNMLS 2109932
Trident Home Loans · Pensacola, FL · licensed in 22 states
- Refinance
- VA loan
- KY 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
- 13
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Refinance
- Condo
- Construction loan
- Manufactured home
- KY 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: September 27, 2021 (Florida), per state regulator
- 14
David BrandelNMLS 501880
CrossCountry Mortgage · Lakeside Park, KY · licensed in 3 states
- Refinance
- FHA loan
- First-time buyer
- KY 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 Lakeside Park, KY
- States 30 years of experience (lender page, 2026-10-22)
- 15
Sarah PichardoNMLS 229120
CMG Home Loans · Fairfax, VA · licensed in 39 states
- Refinance
- KY 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
- 16
Dan AndrewsNMLS 62041
CrossCountry Mortgage · Fort Mitchell, KY · licensed in 3 states
- Refinance
- FHA loan
- First-time buyer
- KY 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 Fort Mitchell, KY
- Earliest state license record: November 14, 2018 (Florida), per state regulator
- 17
Randy LawrenceNMLS 1822482
CrossCountry Mortgage · Lexington, KY · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- KY 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 Lexington, KY
- Earliest state license record: June 30, 2021 (Florida), per state regulator
- 18
Kathy GrahamNMLS 150692
CrossCountry Mortgage · Fort Mitchell, KY · licensed in 3 states
- Refinance
- FHA loan
- First-time buyer
- KY 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)
- Office in Fort Mitchell, KY
- Earliest state license record: November 1, 2023 (Florida), per state regulator
- 19
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 8 states
- Refinance
- Non-QM loan
- Real estate investor
- Reverse mortgage
- KY 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: November 9, 2022 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-26)
- 20
Luis KercadoNMLS 661857
CrossCountry Mortgage · Tequesta, FL · licensed in 10 states
- Refinance
- Real estate investor
- FHA loan
- HELOC
- KY 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 22, 2025 (Colorado), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 21
Andy DiPuccioNMLS 114117
CrossCountry Mortgage · Lakeside Park, KY · licensed in 3 states
- Refinance
- Construction loan
- Renovation loan (203k / HomeStyle)
- VA loan
- KY 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)
- Office in Lakeside Park, KY
- 22
Marylee GilchristNMLS 242466
CrossCountry Mortgage · Cottonwood Heights, UT · licensed in 11 states
- Refinance
- VA loan
- FHA loan
- HELOC
- KY 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: July 17, 2012 (Colorado), per state regulator
- States 41 years of experience (lender page, 2026-10-22)
- 23
Gale GrantNMLS 294842
CrossCountry Mortgage · Lakeside Park, KY · licensed in 4 states
- Refinance
- Renovation loan (203k / HomeStyle)
- KY 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)
- Office in Lakeside Park, KY
- 24
Lindsey Baab-AkersNMLS 378853
CrossCountry Mortgage · Beavercreek, OH · licensed in 6 states
- Refinance
- Non-QM loan
- VA loan
- First-time buyer
- KY 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: March 17, 2021 (Florida), per state regulator
- States 26 years of experience (lender page, 2026-10-26)
- 25
Chet WisinskiNMLS 83495
CrossCountry Mortgage · Charlotte, NC · licensed in 15 states
- Refinance
- KY 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: September 17, 2014 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
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 KY license is confirmed with the state regulator (check mark), KY 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=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.