Borrower situations · Nebraska

Loan officers for homeowners who are refinancing in Nebraska

As of 2026-10-26, LenDb lists 31 loan officers licensed in or based in Nebraska whose lender pages show Refinance work. The top-ranked are Lindsay Witter (American Pacific Mortgage, Roseville), Benjamin Williams (Guild Mortgage, San Diego) and Ron Luttrull (Guild Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in NE, 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

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 39 states

    • Refinance
    • Condo
    • Down payment assistance
    • FHA loan
    • NE 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
  2. 2

    Benjamin WilliamsNMLS 1025173

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

    • Refinance
    • NE 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
  3. 3

    Ron LuttrullNMLS 274181

    Guild Mortgage · San Diego, CA · licensed in 44 states

    • Refinance
    • NE 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)
  4. 4

    Kevin KerivanNMLS 242302

    Fairway Independent Mortgage Corporation · Queen Creek, AZ · licensed in 4 states

    • Refinance
    • FHA loan
    • VA loan
    • NE 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 12, 2025 (Illinois), per state regulator
  5. 5

    Theresa RolenNMLS 2249004

    Copeland Mortgage Company · licensed in 7 states

    • Refinance
    • First-time buyer
    • Self-employed
    • VA loan
    • NE 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 6, 2025 (Texas), per state regulator
  6. 6

    Leigh-Anne OstenNMLS 1501834

    CrossCountry Mortgage · Omaha, NE · licensed in 5 states

    • Refinance
    • VA loan
    • HELOC
    • NE 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 Omaha, NE
    • Earliest state license record: December 20, 2022 (Texas), per state regulator
  7. 7

    Donald GalvinNMLS 214981

    CrossCountry Mortgage · North Ridgeville, OH · licensed in 13 states

    • Refinance
    • Jumbo loan
    • VA loan
    • FHA loan
    • NE 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 16, 2014 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-21)
  8. 8

    Chet WisinskiNMLS 83495

    CrossCountry Mortgage · Charlotte, NC · licensed in 15 states

    • Refinance
    • NE 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)
  9. 9

    Kyle BarnardNMLS 177269

    CrossCountry Mortgage · Grand Junction, CO · licensed in 4 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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 30, 2006 (Colorado), per state regulator
  10. 10

    Jerry PalmerNMLS 223815

    CrossCountry Mortgage · Northbrook, IL · licensed in 30 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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

    Jason WilburNMLS 676414

    CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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: February 17, 2020 (Florida), per state regulator
    • States 20 years of experience (lender page, 2026-10-22)
  12. 12

    Sarena TalbertNMLS 1043739

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

    • Refinance
    • Jumbo loan
    • Non-QM loan
    • Reverse mortgage
    • NE 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)
  13. 13

    David D'OnofrioNMLS 254023

    CrossCountry Mortgage · Walnut Creek, CA · licensed in 26 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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 10, 2011 (California), per state regulator
  14. 14

    Tim PotempaNMLS 454708

    CrossCountry Mortgage · Phoenix, AZ · licensed in 47 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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
  15. 15

    Andre YarinaNMLS 1408534

    CrossCountry Mortgage · Cleveland, OH · licensed in 35 states

    • Refinance
    • Down payment assistance
    • HELOC
    • NE 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
  16. 16

    Brian WeeksNMLS 1557610

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

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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
  17. 17

    Mark GalbraithNMLS 172614

    CrossCountry Mortgage · Henderson, NV · licensed in 6 states

    • Refinance
    • VA loan
    • FHA loan
    • NE 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: August 23, 2018 (Florida), per state regulator
  18. 18

    Bruce BrinkerhoffNMLS 639483

    CrossCountry Mortgage · Cleveland, OH · licensed in 50 states

    • Refinance
    • Construction loan
    • FHA loan
    • First-time buyer
    • NE 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
  19. 19

    Rob BaatzNMLS 52740

    CrossCountry Mortgage · Sioux Falls, SD · licensed in 5 states

    • Refinance
    • Jumbo loan
    • VA loan
    • NE 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 6, 2020 (Iowa), per state regulator
  20. 20

    Drew TobinNMLS 589986

    CrossCountry Mortgage · Middletown, NY · licensed in 33 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • HELOC
    • NE 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
  21. 21

    Austin StrideNMLS 1941521

    CrossCountry Mortgage · Greenwood Village, CO · licensed in 9 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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: June 25, 2020 (Colorado), per state regulator
  22. 22

    Casey SullivanNMLS 237837

    CrossCountry Mortgage · Walnut Creek, CA · licensed in 10 states

    • Refinance
    • Jumbo loan
    • VA loan
    • First-time buyer
    • NE 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 26, 2021 (California), per state regulator
  23. 23

    Alex KlinkoNMLS 1472083

    CrossCountry Mortgage · Cleveland, OH · licensed in 33 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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 12, 2019 (Iowa), per state regulator
  24. 24

    Amy JamesNMLS 2088909

    CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states

    • Refinance
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • NE 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: June 2, 2021 (Florida), per state regulator
  25. 25

    Kyle MorrisseyNMLS 1428875

    CrossCountry Mortgage · Lenexa, KS · licensed in 5 states

    • Refinance
    • FHA loan
    • First-time buyer
    • NE 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 1, 2022 (Illinois), 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 NE license is confirmed with the state regulator (check mark), NE 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=NE. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.