Borrower situations · Mississippi

Loan officers for homeowners who are refinancing in Mississippi

As of 2026-10-26, LenDb lists 40 loan officers licensed in or based in Mississippi whose lender pages show Refinance work. The top-ranked are Russ Ogburn (Guild Mortgage, Madison), Tonia Bishop (Guild Mortgage, Gulfport) and Benjamin Williams (Guild Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in MS, 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. 1

    Russ OgburnNMLS 93490

    Guild Mortgage · Madison, MS

    • Refinance
    • Construction loan
    • Down payment assistance
    • Manufactured home
    • MS 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 Madison, MS
    • States 30 years of experience (lender page, 2026-10-19)
  2. 2

    Tonia BishopNMLS 2808774

    Guild Mortgage · Gulfport, MS

    • Refinance
    • First-time buyer
    • MS 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 Gulfport, MS
  3. 3

    Benjamin WilliamsNMLS 1025173

    Guild Mortgage · San Diego, CA · licensed in 45 states

    • Refinance
    • MS 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
  4. 4

    Haley BarnesNMLS 1668981

    Union Home Mortgage · Mobile, AL · licensed in 3 states

    • Refinance
    • FHA loan
    • VA loan
    • MS 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)
  5. 5

    Wendy PalmerNMLS 658283

    CrossCountry Mortgage · Gulfport, MS · licensed in 2 states

    • Refinance
    • First-time buyer
    • FHA loan
    • HELOC
    • MS 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 Gulfport, MS
    • States 30 years of experience (lender page, 2026-10-22)
  6. 6

    Sarah PichardoNMLS 229120

    CMG Home Loans · Fairfax, VA · licensed in 39 states

    • Refinance
    • MS 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
  7. 7

    Raul ZaragozaNMLS 1698142

    CrossCountry Mortgage · Ocean Springs, MS · licensed in 8 states

    • Refinance
    • FHA loan
    • First-time buyer
    • MS 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 Ocean Springs, MS
    • Earliest state license record: February 20, 2019 (Florida), per state regulator
  8. 8

    Luis KercadoNMLS 661857

    CrossCountry Mortgage · Tequesta, FL · licensed in 10 states

    • Refinance
    • Real estate investor
    • FHA loan
    • HELOC
    • MS 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)
  9. 9

    Adam BlackNMLS 121384

    CrossCountry Mortgage · Flora, MS

    • Refinance
    • Construction loan
    • First-time buyer
    • MS 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 Flora, MS
  10. 10

    Jerry PalmerNMLS 223815

    CrossCountry Mortgage · Northbrook, IL · licensed in 30 states

    • Refinance
    • FHA loan
    • First-time buyer
    • MS 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: November 16, 2005 (Illinois), per state regulator
  11. 11

    Sarena TalbertNMLS 1043739

    CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • Reverse mortgage
    • MS 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: December 19, 2018 (California), per state regulator
    • States 28 years of experience (lender page, 2026-10-22)
  12. 12

    Chuck DindiaNMLS 43931

    CrossCountry Mortgage · Cleveland, OH · licensed in 41 states

    • Refinance
    • FHA loan
    • First-time buyer
    • MS 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 31, 2010 (Oregon), per state regulator
  13. 13

    Candace CagleNMLS 878436

    CrossCountry Mortgage · Houston, TX · licensed in 4 states

    • Refinance
    • Construction loan
    • Non-QM loan
    • Renovation loan (203k / HomeStyle)
    • MS 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: May 7, 2013 (Texas), per state regulator
  14. 14

    Matt SchwartzNMLS 151017

    CrossCountry Mortgage · Southlake, TX · licensed in 26 states

    • Refinance
    • HELOC
    • MS 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 9, 2014 (Texas), per state regulator
  15. 15

    Daniel McDermottNMLS 430030

    CrossCountry Mortgage · Montvale, NJ · licensed in 27 states

    • Refinance
    • HELOC
    • FHA loan
    • First-time buyer
    • MS 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: July 9, 2012 (Florida), per state regulator
  16. 16

    Tim PotempaNMLS 454708

    CrossCountry Mortgage · Phoenix, AZ · licensed in 47 states

    • Refinance
    • FHA loan
    • First-time buyer
    • MS 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: July 9, 2015 (California), per state regulator
  17. 17

    Andre YarinaNMLS 1408534

    CrossCountry Mortgage · Cleveland, OH · licensed in 35 states

    • Refinance
    • Down payment assistance
    • HELOC
    • MS 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 10, 2016 (Oregon), per state regulator
  18. 18

    Heather LewisNMLS 1876917

    CrossCountry Mortgage · Huntsville, AL · licensed in 2 states

    • Refinance
    • VA loan
    • FHA loan
    • First-time buyer
    • MS 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: October 16, 2019 (Florida), per state regulator
    • States 10 years of experience (lender page, 2026-10-26)
  19. 19

    Brian WeeksNMLS 1557610

    CrossCountry Mortgage · Overland Park, KS · licensed in 46 states

    • Refinance
    • FHA loan
    • First-time buyer
    • MS 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 7, 2016 (Colorado), per state regulator
  20. 20

    Ron KuhnNMLS 208163

    CrossCountry Mortgage · Tempe, AZ · licensed in 6 states

    • Refinance
    • Down payment assistance
    • Non-QM loan
    • HELOC
    • MS 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: August 2, 2018 (California), per state regulator
  21. 21

    Bruce BrinkerhoffNMLS 639483

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • Refinance
    • Construction loan
    • FHA loan
    • First-time buyer
    • MS 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: August 15, 2019 (Oregon), per state regulator
  22. 22

    Damon LaylockNMLS 973325

    CrossCountry Mortgage · Melville, NY · licensed in 17 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • MS 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: November 1, 2019 (Florida), per state regulator
  23. 23

    Jeff AdamsNMLS 1851495

    CrossCountry Mortgage · Cincinnati, OH · licensed in 25 states

    • Refinance
    • Self-employed
    • FHA loan
    • First-time buyer
    • MS 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 24, 2019 (Illinois), per state regulator
  24. 24

    Drew TobinNMLS 589986

    CrossCountry Mortgage · Middletown, NY · licensed in 33 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • HELOC
    • MS 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: May 19, 2020 (California), per state regulator
  25. 25

    Christopher FoutsNMLS 1919114

    CrossCountry Mortgage · San Antonio, TX · licensed in 19 states

    • Refinance
    • Construction loan
    • Non-QM loan
    • Renovation loan (203k / HomeStyle)
    • MS 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: April 12, 2020 (Texas), per state regulator

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?

More about Refinance

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 MS license is confirmed with the state regulator (check mark), MS 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=MS. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.