Borrower situations · Ohio
Loan officers for homeowners who are refinancing in Ohio
As of 2026-10-26, LenDb lists 220 loan officers licensed in or based in Ohio whose lender pages show Refinance work. The top-ranked are Bill White (CrossCountry Mortgage, Cincinnati), DJ Joyce (CrossCountry Mortgage, Cleveland) and Devin Harris (Lower, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in OH, 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
Bill WhiteNMLS 2268018
CrossCountry Mortgage · Cincinnati, OH · licensed in 15 states
- Refinance
- HELOC
- FHA loan
- First-time buyer
- OH 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 Cincinnati, OH
- Earliest state license record: December 13, 2021 (Illinois), per state regulator
- 2
DJ JoyceNMLS 2540027
CrossCountry Mortgage · Cleveland, OH · licensed in 12 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- OH 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 Cleveland, OH
- Earliest state license record: December 21, 2023 (Oregon), per state regulator
- 3
Devin HarrisNMLS 2848186
Lower · Columbus, OH · licensed in 7 states
- Refinance
- OH 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)
- Office in Columbus, OH
- Earliest state license record: August 5, 2026 (California), per state regulator
- 4
Adam PenneyNMLS 1937816
CrossCountry Mortgage · Niles, OH · licensed in 2 states
- Refinance
- FHA loan
- USDA loan
- VA loan
- OH 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 Niles, OH
- Earliest state license record: April 16, 2025 (Florida), per state regulator
- 5
Jason InglishNMLS 934863
ALCOVA Mortgage · Cumberland, MD · licensed in 7 states
- Refinance
- FHA loan
- Real estate investor
- USDA loan
- OH 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: July 26, 2022 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 6
Jeremy WetzelNMLS 3364
CrossCountry Mortgage · Louisville, KY · licensed in 10 states
- Refinance
- First-time buyer
- FHA loan
- OH 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 3, 2010 (Illinois), per state regulator
- States 23 years of experience (lender page, 2026-10-21)
- 7
Ryan BushNMLS 513963
Union Home Mortgage · Dublin, OH
- Refinance
- FHA loan
- Jumbo loan
- USDA loan
- OH 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 Dublin, OH
- States 13 years of experience (lender page, 2026-10-14)
- 8
Jay SloneNMLS 32101
CrossCountry Mortgage · Lorain, OH
- Refinance
- Down payment assistance
- VA loan
- FHA loan
- OH 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 Lorain, OH
- States 23 years of experience (lender page, 2026-10-26)
- 9
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- OH 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)
- 10
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Refinance
- Down payment assistance
- OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-19)
- Earliest state license record: July 10, 2014 (Texas), per state regulator
- 11
Wendy BeveridgeNMLS 1491996
The Vinton County National Bank · Bank · Canal Winchester, OH
- Refinance
- Construction loan
- 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 2026-10-26)
- Office in Canal Winchester, OH
- 12
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- OH 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
- 13
Steve BloomNMLS 130998
A & N Mortgage Services, Inc. · Chicago, IL · licensed in 9 states
- Refinance
- Real estate investor
- OH 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 10, 2006 (Illinois), per state regulator
- 14
Darrin SemickNMLS 1280466
Union Home Mortgage · Akron, OH
- Refinance
- OH 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 Akron, OH
- 15
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- OH 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
- 16
Mark YoumagulNMLS 319143
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 20 states
- Refinance
- OH 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 27, 2010 (California), per state regulator
- 17
Kevin UrbanskyNMLS 2826032
CrossCountry Mortgage · Cleveland, OH · licensed in 11 states
- Refinance
- Down payment assistance
- FHA loan
- First-time buyer
- OH 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 Cleveland, OH
- Earliest state license record: June 2, 2026 (Florida), per state regulator
- 18
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- OH 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)
- 19
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- OH 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)
- 20
Spencer WartmanNMLS 2109932
Trident Home Loans · Pensacola, FL · licensed in 22 states
- Refinance
- VA loan
- OH 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
- 21
David BarbanNMLS 714730
Endeavor Capital, LLC · Chesterfield, MO · licensed in 7 states
- Refinance
- First-time buyer
- OH 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: January 16, 2024 (Iowa), per state regulator
- 22
Scott ReeseNMLS 86512
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- OH 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 Cleveland, OH
- Earliest state license record: March 3, 2011 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 23
Donald GalvinNMLS 214981
CrossCountry Mortgage · North Ridgeville, OH · licensed in 13 states
- Refinance
- Jumbo loan
- VA loan
- FHA loan
- OH 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)
- Office in North Ridgeville, OH
- Earliest state license record: October 16, 2014 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 24
Sharon RawlsNMLS 244943
CrossCountry Mortgage · Mansfield, OH
- Refinance
- FHA loan
- First-time buyer
- OH 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 Mansfield, OH
- States 26 years of experience (lender page, 2026-10-22)
- 25
Lindsey Baab-AkersNMLS 378853
CrossCountry Mortgage · Beavercreek, OH · licensed in 6 states
- Refinance
- Non-QM loan
- VA loan
- First-time buyer
- OH 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 Beavercreek, OH
- Earliest state license record: March 17, 2021 (Florida), per state regulator
- States 26 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 OH license is confirmed with the state regulator (check mark), OH 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=OH. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.