{ "canonical_url": "https://lendb.ai/s/refinance/mississippi", "summary": "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.", "specialty": "refinance", "state": "MS", "total": 40, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 65.8, "loan_officer": { "nmls_id": 93490, "slug": "russ-ogburn-93490", "full_name": "Russ Ogburn", "canonical_url": "https://lendb.ai/lo/russ-ogburn-93490", "json_url": "https://lendb.ai/lo/russ-ogburn-93490.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Madison", "state": "MS" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ccro-russ-ogburn.jpg", "licensed_states": [ "MS" ], "licenses": [ { "state": "MS", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/ms/madison/russ-ogburn-384-ccro.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Madison, MS", "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/russ-ogburn-93490", "license_check": { "state": "MS", "confidence": "lender_reported", "eligible": true, "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ms/madison/russ-ogburn-384-ccro.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 57.8, "loan_officer": { "nmls_id": 2808774, "slug": "tonia-bishop-2808774", "full_name": "Tonia Bishop", "canonical_url": "https://lendb.ai/lo/tonia-bishop-2808774", "json_url": "https://lendb.ai/lo/tonia-bishop-2808774.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Gulfport", "state": "MS" }, "headshot_url": "https://branches.guildmortgage.com/_next/image/?url=https%3A%2F%2Fwww.guildmortgage.com%2Flib%2Fuploads%2Fofficers%2Fprofile-photos%2Fchtbis-tonia-bishop.jpg&w=384&q=75", "licensed_states": [ "MS" ], "licenses": [ { "state": "MS", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ms/gulfport/tonia-bishop-6-chtbis.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Gulfport, MS", "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/tonia-bishop-2808774", "license_check": { "state": "MS", "confidence": "lender_reported", "eligible": true, "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ms/gulfport/tonia-bishop-6-chtbis.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 43.5, "loan_officer": { "nmls_id": 1025173, "slug": "benjamin-williams-1025173", "full_name": "Benjamin Williams", "licensed_names": [ { "name": "Benjamin Williams", "name_with_middle_initial": "Benjamin A. Williams", "first_name": "Benjamin", "middle_initial": "A", "last_name": "Williams", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "json_url": "https://lendb.ai/lo/benjamin-williams-1025173.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/benjamin-williams.jpg", "licensed_states": [ "FL", "CT", "DE", "TX", "AK", "AL", "AR", "AZ", "CA", "CO", "DC", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NM", "OH", "OK", "OR", "PA", "SD", "TN", "UT", "VA", "VT", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2013-06-04", "state": "OR" }, "licensed_since": { "year": 2013, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/benjamin-williams-672-elbw.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "MS 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" ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "license_check": { "state": "MS", "confidence": "lender_reported", "eligible": true, "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ca/sandiego/benjamin-williams-672-elbw.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 37.8, "loan_officer": { "nmls_id": 1668981, "slug": "haley-barnes-1668981", "full_name": "Haley Barnes", "canonical_url": "https://lendb.ai/lo/haley-barnes-1668981", "json_url": "https://lendb.ai/lo/haley-barnes-1668981.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "slug": "union-home-mortgage-2229", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Mobile", "state": "AL" }, "headshot_url": "https://www.uhm.com/media/3958/website.png", "licensed_states": [ "AL", "GA", "MS" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "heloc", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.uhm.com/loan-officers/haley-barnes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/haley-barnes-1668981", "license_check": { "state": "MS", "confidence": "lender_reported", "eligible": true, "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-14", "source_url": "https://www.uhm.com/loan-officers/haley-barnes/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 36.6, "loan_officer": { "nmls_id": 658283, "slug": "wendy-palmer-658283", "full_name": "Wendy Palmer", "canonical_url": "https://lendb.ai/lo/wendy-palmer-658283", "json_url": "https://lendb.ai/lo/wendy-palmer-658283.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Gulfport", "state": "MS" }, "headshot_url": "https://thevault.ccm.com/asset/c5683ee3-7b81-4bc3-83e3-da9134e118c7/Website/4274_Palmer_658283.jpg", "licensed_states": [ "AL", "MS" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/gulfport-ms-6503/wendy-palmer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "Office in Gulfport, MS", "MS 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)" ], "canonical_url": "https://lendb.ai/lo/wendy-palmer-658283", "license_check": { "state": "MS", "confidence": "lender_reported", "eligible": true, "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/gulfport-ms-6503/wendy-palmer/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 35, "loan_officer": { "nmls_id": 229120, "slug": "sarah-pichardo-229120", "full_name": "Sarah Pichardo", "licensed_names": [ { "name": "Sarah Pichardo", "name_with_middle_initial": "Sarah C. Pichardo", "first_name": "Sarah", "middle_initial": "C", "last_name": "Pichardo", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "LA", "MA", "MD", "MO", "NY", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/sarah-pichardo-229120", "json_url": "https://lendb.ai/lo/sarah-pichardo-229120.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_6640_Sarah_Pichardo", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "NY", "PA", "TX", "AL", "AR", "AZ", "CA", "DC", "GA", "HI", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MS", "NC", "NH", "NJ", "OH", "RI", "SC", "TN", "VA", "VT", "WI", "WV", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "low-credit", "new-construction", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-08-15", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/sarah-pichardo", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "MS 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" ], "canonical_url": "https://lendb.ai/lo/sarah-pichardo-229120", "license_check": { "state": "MS", "confidence": "lender_reported", "eligible": true, "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/sarah-pichardo" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 30.1, "loan_officer": { "nmls_id": 1698142, "slug": "raul-zaragoza-1698142", "full_name": "Raul Zaragoza", "licensed_names": [ { "name": "Raul Zaragoza", "name_with_middle_initial": "Raul A. Zaragoza", "first_name": "Raul", "middle_initial": "A", "last_name": "Zaragoza", "states": [ "FL", "LA", "TX" ], "source": "state_regulator", "as_of": "2026-10-15" } ], "canonical_url": "https://lendb.ai/lo/raul-zaragoza-1698142", "json_url": "https://lendb.ai/lo/raul-zaragoza-1698142.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Ocean Springs", "state": "MS" }, "headshot_url": "https://thevault.ccm.com/asset/86866ea2-7864-44df-9c11-bc6df34f56f2/Website/5084_Zaragoza_1698142.jpg", "licensed_states": [ "FL", "LA", "TX", "AL", "GA", "KY", "MS", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-02-20", "state": "FL" }, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/ocean-springs-ms-5084/raul-zaragoza/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Ocean Springs, MS", "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 20, 2019 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/raul-zaragoza-1698142", "license_check": { "state": "MS", "confidence": "lender_reported", "eligible": true, "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/ocean-springs-ms-5084/raul-zaragoza/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 27.3, "loan_officer": { "nmls_id": 661857, "slug": "luis-kercado-661857", "full_name": "Luis Kercado", "licensed_names": [ { "name": "Luis Kercado", "name_with_middle_initial": "Luis E. 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