--- canonical_url: https://lendb.ai/s/refinance/kentucky last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[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) - Office in Louisville, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 3, 2010 (Illinois), per state regulator - States 23 years of experience (lender page, 2026-10-21) 2. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 13, 2021 (Illinois), per state regulator 3. **[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) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 4. **[DJ Joyce](https://lendb.ai/lo/dj-joyce-2540027)** (NMLS 2540027), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2023 (Oregon), per state regulator 5. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 6. **[Jennifer Buckholz](https://lendb.ai/lo/jennifer-buckholz-265867)** (NMLS 265867), CMG Home Loans, Federal Way, WA - Lists Refinance on lender page (lender page, verified 2026-10-20) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2011 (Oregon), per state regulator 7. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 4, 2013 (Oregon), per state regulator 8. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 9. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 10. **[Krystyn Smink](https://lendb.ai/lo/krystyn-smink-2568385)** (NMLS 2568385), Gershman Investment Corp., Clarksville, TN - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 11. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 12. **[Spencer Wartman](https://lendb.ai/lo/spencer-wartman-2109932)** (NMLS 2109932), Trident Home Loans, Pensacola, FL - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 18, 2022 (Florida), per state regulator 13. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Refinance on lender page (lender page, verified 2026-10-20) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 27, 2021 (Florida), per state regulator 14. **[David Brandel](https://lendb.ai/lo/david-brandel-501880)** (NMLS 501880), CrossCountry Mortgage, Lakeside Park, KY - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Lakeside Park, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-22) 15. **[Sarah Pichardo](https://lendb.ai/lo/sarah-pichardo-229120)** (NMLS 229120), CMG Home Loans, Fairfax, VA - Lists Refinance on lender page (lender page, verified 2026-10-20) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 15, 2022 (Florida), per state regulator 16. **[Dan Andrews](https://lendb.ai/lo/dan-andrews-62041)** (NMLS 62041), CrossCountry Mortgage, Fort Mitchell, KY - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Fort Mitchell, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 14, 2018 (Florida), per state regulator 17. **[Randy Lawrence](https://lendb.ai/lo/randy-lawrence-1822482)** (NMLS 1822482), CrossCountry Mortgage, Lexington, KY - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Lexington, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 30, 2021 (Florida), per state regulator 18. **[Kathy Graham](https://lendb.ai/lo/kathy-graham-150692)** (NMLS 150692), CrossCountry Mortgage, Fort Mitchell, KY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Fort Mitchell, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 1, 2023 (Florida), per state regulator 19. **[Patrick Stoy](https://lendb.ai/lo/patrick-stoy-39527)** (NMLS 39527), CrossCountry Mortgage, Wilmington, NC - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 9, 2022 (Florida), per state regulator - States 25 years of experience (lender page, 2026-10-26) 20. **[Luis Kercado](https://lendb.ai/lo/luis-kercado-661857)** (NMLS 661857), CrossCountry Mortgage, Tequesta, FL - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 22, 2025 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-26) 21. **[Andy DiPuccio](https://lendb.ai/lo/andy-dipuccio-114117)** (NMLS 114117), CrossCountry Mortgage, Lakeside Park, KY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Lakeside Park, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Marylee Gilchrist](https://lendb.ai/lo/marylee-gilchrist-242466)** (NMLS 242466), CrossCountry Mortgage, Cottonwood Heights, UT - Lists Refinance on lender page (lender page, verified 2026-10-22) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 17, 2012 (Colorado), per state regulator - States 41 years of experience (lender page, 2026-10-22) 23. **[Gale Grant](https://lendb.ai/lo/gale-grant-294842)** (NMLS 294842), CrossCountry Mortgage, Lakeside Park, KY - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in Lakeside Park, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Lindsey Baab-Akers](https://lendb.ai/lo/lindsey-baab-akers-378853)** (NMLS 378853), CrossCountry Mortgage, Beavercreek, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 17, 2021 (Florida), per state regulator - States 26 years of experience (lender page, 2026-10-26) 25. **[Chet Wisinski](https://lendb.ai/lo/chester-wisinski-83495)** (NMLS 83495), CrossCountry Mortgage, Charlotte, NC - Lists Refinance on lender page (lender page, verified 2026-10-26) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 17, 2014 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-26) ## 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/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._