Borrower situations · North Carolina
Loan officers for homeowners who are refinancing in North Carolina
As of 2026-10-26, LenDb lists 269 loan officers licensed in or based in North Carolina whose lender pages show Refinance work. The top-ranked are Kathryn Youngs (TowneBank Mortgage, Raleigh), Mike Schuster (CrossCountry Mortgage, Columbia) and Bill White (CrossCountry Mortgage, Cincinnati). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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
Kathryn YoungsNMLS 118229
TowneBank Mortgage · Bank · Raleigh, NC
- Refinance
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Raleigh, NC
- 2
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- NC 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: April 26, 2021 (Illinois), per state regulator
- 3
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- NC 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
- 4
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- NC 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)
- 5
Tim HandNMLS 2399625
First Home Mortgage · Dunkirk, MD · licensed in 6 states
- Refinance
- First-time buyer
- NC 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: December 27, 2022 (Florida), per state regulator
- 6
Roger OdoardiNMLS 12906
Blue Water Mortgage, LLC · licensed in 9 states
- Refinance
- First-time buyer
- Construction loan
- HELOC
- NC 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 21, 2018 (Florida), per state regulator
- 7
Patricia MiocicNMLS 1736087
Xpert Home Lending · Mortgage broker · Tennessee · licensed in 6 states
- Refinance
- Non-QM loan
- First-time buyer
- Jumbo loan
- NC 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 19, 2018 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 8
Devin HarrisNMLS 2848186
Lower · Columbus, OH · licensed in 7 states
- Refinance
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Focus: Refinance (from their bio on their lender page, verified 2026-10-21)
- Earliest state license record: August 5, 2026 (California), per state regulator
- 9
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- NC 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
- 10
Matt FensterNMLS 21524
Guild Mortgage · Middletown, RI · licensed in 12 states
- Refinance
- First-time buyer
- NC 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: April 15, 2026 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 11
Ron HaddadNMLS 204443
Union Home Mortgage · Arlington Heights, IL · licensed in 8 states
- Refinance
- Down payment assistance
- Vacation home
- NC 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 23, 2005 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-14)
- 12
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Refinance
- Vacation home
- Bank statement loan
- DSCR loan
- NC 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 23, 2016 (California), per state regulator
- 13
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- NC 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
- 14
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- NC 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
- 15
Julie Ann JacksonNMLS 108829
CMG Home Loans · Oak Harbor, WA · licensed in 9 states
- Refinance
- Renovation loan (203k / HomeStyle)
- NC 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)
- 16
Tom HotterNMLS 1840776
Thompson Kane & Company, Inc. · licensed in 10 states
- Refinance
- First-time buyer
- NC 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 30, 2019 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 17
Reece WilliamsNMLS 1257647
Guild Mortgage · Richmond, VA · licensed in 2 states
- Refinance
- FHA loan
- First-time buyer
- Real estate investor
- NC 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)
- 18
Krystyn SminkNMLS 2568385
Gershman Investment Corp. · Clarksville, TN · licensed in 5 states
- Refinance
- First-time buyer
- Real estate investor
- NC 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)
- 19
Mike EastmanNMLS 21108
First Heritage Mortgage · Fairfax, VA · licensed in 12 states
- Refinance
- Real estate investor
- NC 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: June 26, 2025 (Florida), per state regulator
- 20
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- NC 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)
- 21
Naomi StevensNMLS 59511
- Refinance
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Focus: Refinance (from their bio on their lender page, verified 2026-10-20)
- 22
Spencer WartmanNMLS 2109932
Trident Home Loans · Pensacola, FL · licensed in 22 states
- Refinance
- VA loan
- NC 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
- 23
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Refinance
- Condo
- Construction loan
- Manufactured home
- NC 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
- 24
Eswara Prasad KakkeraNMLS 1692638
ENSURE HOME LOANS LLC · licensed in 4 states
- Refinance
- Construction loan
- FHA loan
- Jumbo loan
- NC 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 6, 2019 (Texas), per state regulator
- 25
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 8 states
- Refinance
- Non-QM loan
- Real estate investor
- Reverse mortgage
- NC 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 Wilmington, NC
- Earliest state license record: November 9, 2022 (Florida), per state regulator
- States 25 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 NC license is confirmed with the state regulator (check mark), NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.