Borrower situations · Oregon
Loan officers for homeowners who are refinancing in Oregon
As of 2026-10-26, LenDb lists 43 loan officers licensed in or based in Oregon whose lender pages show Refinance work. The top-ranked are Nick Carter (Directors Mortgage, Eugene), Summer Freeman (Mortgage Marketplace LLC, Eugene) and Elena Connelly (Guild Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Refinance
- Real estate investor
- Vacation home
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Office in Eugene, OR
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 2
Summer FreemanNMLS 360504
Mortgage Marketplace LLC · Eugene, OR · licensed in 2 states
- Refinance
- First-time buyer
- HELOC
- Real estate investor
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Eugene, OR
- Earliest state license record: May 8, 2013 (California), per state regulator
- States 28 years of experience (lender page, 2026-10-22)
- 3
Elena ConnellyNMLS 270853
Guild Mortgage · Eugene, OR
- Refinance
- First-time buyer
- ✓Licensed in OR: confirmed with the Oregon regulator (license 270853), verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Eugene, OR
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- States 25 years of experience (lender page, 2026-10-20)
- 4
Kim ShueyNMLS 410338
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 15 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 22, 2011 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 5
Beverly LiesyNMLS 241577
Newrez · Seattle, WA · licensed in 5 states
- Refinance
- New construction
- ✓Licensed in OR: confirmed with the Oregon regulator (license 241577), verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 30, 2019 (Oregon), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 6
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Refinance
- Bank statement loan
- Down payment assistance
- DSCR loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Eugene, OR
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 7
Nick ProhaskaNMLS 876326
CMG Home Loans · Lake Oswego, OR
- Refinance
- Construction loan
- Renovation loan (203k / HomeStyle)
- Vacation home
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Lake Oswego, OR
- Earliest state license record: April 24, 2019 (Oregon), per state regulator
- States 15 years of experience (lender page, 2026-10-20)
- 8
Stephanie O'FarrellNMLS 95809
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 17, 2008 (Illinois), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 9
Jason SmithNMLS 1030753
Ladera Lending, Inc. · Lake Forest, CA · licensed in 8 states
- Refinance
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 21, 2013 (Oregon), per state regulator
- 10
Harold PerkinsNMLS 227298
Galaxy Lending Group LLC · licensed in 3 states
- Refinance
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: May 31, 2016 (Oregon), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 11
Kris HermannNMLS 1247814
Lit Financial Corporation · licensed in 6 states
- Refinance
- HELOC
- VA loan
- FHA loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 17, 2015 (Colorado), per state regulator
- States 10 years of experience (lender page, 2026-10-19)
- 12
Mike GillettNMLS 362285
Mortgage Marketplace LLC · Salem, OR · licensed in 7 states
- Refinance
- First-time buyer
- DSCR loan
- FHA loan
- ✓Licensed in OR: confirmed with the Oregon regulator (license 362285), verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Salem, OR
- Earliest state license record: July 27, 2015 (California), per state regulator
- States 30 years of experience (lender page, 2026-10-22)
- 13
Christopher ArnoldNMLS 1702764
Newrez · Fort Washington, PA · licensed in 15 states
- Refinance
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
- 14
James ConleyNMLS 2026522
CrossCountry Mortgage · Columbia, MD · licensed in 13 states
- Refinance
- FHA loan
- First-time buyer
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
- States 6 years of experience (lender page, 2026-10-26)
- 15
Tommy BroomeNMLS 1845427
Adaxa, LLC · licensed in 3 states
- Refinance
- FHA loan
- First-time buyer
- VA loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: April 22, 2019 (Iowa), per state regulator
- States 7 years of experience (lender page, 2026-10-21)
- 16
Eric HaffnerNMLS 1915766
Adaxa, LLC · licensed in 5 states
- Refinance
- HELOC
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: December 2, 2019 (Iowa), per state regulator
- 17
Jim SimpsonNMLS 420787
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 15, 2015 (Colorado), per state regulator
- States 22 years of experience (lender page, 2026-10-20)
- 18
Benjamin PaylorNMLS 1257977
CMG Home Loans · Olympia, WA
- Refinance
- Construction loan
- USDA loan
- Renovation loan (203k / HomeStyle)
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: April 9, 2026 (Oregon), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 19
Eric RasoNMLS 457108
CMG Home Loans · Tempe, AZ · licensed in 40 states
- Refinance
- 2 to 4 unit property
- Low credit score
- Non-QM loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- 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)
- 20
Mark GundersenNMLS 397893
Mutual of Omaha Mortgage · St. Charles, IL · licensed in 11 states
- Refinance
- Down payment assistance
- FHA loan
- First-time buyer
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 20, 2012 (Illinois), per state regulator
- States 21 years of experience (lender page, 2026-10-20)
- 21
DJ JoyceNMLS 2540027
CrossCountry Mortgage · Cleveland, OH · licensed in 12 states
- Refinance
- FHA loan
- First-time buyer
- HELOC
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: December 21, 2023 (Oregon), per state regulator
- 22
Evan JansenNMLS 128384
Summit Mortgage Corporation · Lakewood, CO · licensed in 9 states
- Refinance
- Down payment assistance
- FHA loan
- Jumbo loan
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: July 29, 2008 (Wisconsin), per state regulator
- 23
Samantha LindleyNMLS 1210610
American Pacific Mortgage · Kennewick, WA · licensed in 5 states
- Refinance
- Jumbo loan
- Manufactured home
- New construction
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: September 11, 2014 (Oregon), per state regulator
- States 9 years of experience (lender page, 2026-10-20)
- 24
Phil HeinleyNMLS 1674192
Adaxa, LLC · Phoenix, AZ · licensed in 6 states
- Refinance
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: April 23, 2019 (Iowa), per state regulator
- 25
Harmony MoyerNMLS 2616300
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 4 states
- Refinance
- ✓Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: May 21, 2025 (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?
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 OR license is confirmed with the state regulator (check mark), OR 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=OR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.