--- canonical_url: https://lendb.ai/s/refinance/ohio last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Bill White](https://lendb.ai/lo/william-white-2268018)** (NMLS 2268018), CrossCountry Mortgage, Cincinnati, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Cincinnati, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 13, 2021 (Illinois), per state regulator 2. **[DJ Joyce](https://lendb.ai/lo/dj-joyce-2540027)** (NMLS 2540027), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Cleveland, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 21, 2023 (Oregon), per state regulator 3. **[Devin Harris](https://lendb.ai/lo/devin-harris-2848186)** (NMLS 2848186), Lower, Columbus, OH - Focus: Refinance (from their bio on their lender page, verified 2026-10-21) - Office in Columbus, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 5, 2026 (California), per state regulator 4. **[Adam Penney](https://lendb.ai/lo/adam-penney-1937816)** (NMLS 1937816), CrossCountry Mortgage, Niles, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Niles, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 16, 2025 (Florida), per state regulator 5. **[Jason Inglish](https://lendb.ai/lo/jason-inglish-934863)** (NMLS 934863), ALCOVA Mortgage, Cumberland, MD - Lists Refinance on lender page (lender page, verified 2026-10-21) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 26, 2022 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 6. **[Jeremy Wetzel](https://lendb.ai/lo/jeremy-wetzel-3364)** (NMLS 3364), CrossCountry Mortgage, Louisville, KY - Lists Refinance on lender page (lender page, verified 2026-10-21) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 3, 2010 (Illinois), per state regulator - States 23 years of experience (lender page, 2026-10-21) 7. **[Ryan Bush](https://lendb.ai/lo/ryan-bush-513963)** (NMLS 513963), Union Home Mortgage, Dublin, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Dublin, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 13 years of experience (lender page, 2026-10-14) 8. **[Jay Slone](https://lendb.ai/lo/jay-slone-32101)** (NMLS 32101), CrossCountry Mortgage, Lorain, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Lorain, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 23 years of experience (lender page, 2026-10-26) 9. **[Eric Raso](https://lendb.ai/lo/eric-raso-457108)** (NMLS 457108), CMG Home Loans, Tempe, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: August 27, 2014 (Colorado), per state regulator - States 20 years of experience (lender page, 2026-10-20) 10. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-19) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 10, 2014 (Texas), per state regulator 11. **[Wendy Beveridge](https://lendb.ai/lo/wendy-beveridge-1491996)** (NMLS 1491996), The Vinton County National Bank, Canal Winchester, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Canal Winchester, OH - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 12. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Refinance on lender page (lender page, verified 2026-10-20) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 26, 2012 (Oregon), per state regulator 13. **[Steve Bloom](https://lendb.ai/lo/steven-bloom-130998)** (NMLS 130998), A & N Mortgage Services, Inc., Chicago, IL - Lists Refinance on lender page (lender page, verified 2026-10-21) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 10, 2006 (Illinois), per state regulator 14. **[Darrin Semick](https://lendb.ai/lo/darrin-semick-1280466)** (NMLS 1280466), Union Home Mortgage, Akron, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Akron, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - OH 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 16. **[Mark Youmagul](https://lendb.ai/lo/phelotkhane-youmagul-319143)** (NMLS 319143), Barrett Financial Group, Chandler, AZ - Lists Refinance on lender page (lender page, verified 2026-10-20) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: July 27, 2010 (California), per state regulator 17. **[Kevin Urbansky](https://lendb.ai/lo/kevin-urbansky-2826032)** (NMLS 2826032), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Cleveland, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 2, 2026 (Florida), per state regulator 18. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - Lists Refinance on lender page (lender page, verified 2026-10-26) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 19. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - Lists Refinance on lender page (lender page, verified 2026-10-21) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 20. **[Spencer Wartman](https://lendb.ai/lo/spencer-wartman-2109932)** (NMLS 2109932), Trident Home Loans, Pensacola, FL - Lists Refinance on lender page (lender page, verified 2026-10-26) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 18, 2022 (Florida), per state regulator 21. **[David Barban](https://lendb.ai/lo/david-barban-714730)** (NMLS 714730), Endeavor Capital, LLC, Chesterfield, MO - Lists Refinance on lender page (lender page, verified 2026-10-21) - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 16, 2024 (Iowa), per state regulator 22. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Cleveland, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 3, 2011 (California), per state regulator - States 20 years of experience (lender page, 2026-10-26) 23. **[Donald Galvin](https://lendb.ai/lo/donald-galvin-214981)** (NMLS 214981), CrossCountry Mortgage, North Ridgeville, OH - Lists Refinance on lender page (lender page, verified 2026-10-21) - Office in North Ridgeville, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: October 16, 2014 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-21) 24. **[Sharon Rawls](https://lendb.ai/lo/sharon-rawls-244943)** (NMLS 244943), CrossCountry Mortgage, Mansfield, OH - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Mansfield, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-22) 25. **[Lindsey Baab-Akers](https://lendb.ai/lo/lindsey-baab-akers-378853)** (NMLS 378853), CrossCountry Mortgage, Beavercreek, OH - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Beavercreek, OH - OH listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 17, 2021 (Florida), per state regulator - States 26 years of experience (lender page, 2026-10-26) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/ohio. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._