---
canonical_url: https://lendb.ai/s/refinance/oregon
last_verified: 2026-10-26
---

# 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.

## Ranked, with reasons

1. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Office in Eugene, OR
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: July 31, 2010 (Oregon), per state regulator
2. **[Summer Freeman](https://lendb.ai/lo/summer-freeman-360504)** (NMLS 360504), Mortgage Marketplace LLC, Eugene, OR
   - Lists Refinance on lender page (lender page, verified 2026-10-22)
   - Office in Eugene, OR
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: May 8, 2013 (California), per state regulator
   - States 28 years of experience (lender page, 2026-10-22)
3. **[Elena Connelly](https://lendb.ai/lo/elena-connelly-270853)** (NMLS 270853), Guild Mortgage, Eugene, OR
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Office in Eugene, OR
   - Licensed in OR: confirmed with the Oregon regulator (license 270853), verified 2026-10-20
   - Earliest state license record: July 31, 2010 (Oregon), per state regulator
   - States 25 years of experience (lender page, 2026-10-20)
4. **[Kim Shuey](https://lendb.ai/lo/kimberly-shuey-410338)** (NMLS 410338), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in OR: confirmed with the Oregon regulator, 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 Liesy](https://lendb.ai/lo/beverly-liesy-241577)** (NMLS 241577), Newrez, Seattle, WA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in OR: confirmed with the Oregon regulator (license 241577), verified 2026-10-20
   - Earliest state license record: April 30, 2019 (Oregon), per state regulator
   - States 20 years of experience (lender page, 2026-10-26)
6. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Office in Eugene, OR
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: July 31, 2010 (Oregon), per state regulator
7. **[Nick Prohaska](https://lendb.ai/lo/nick-prohaska-876326)** (NMLS 876326), CMG Home Loans, Lake Oswego, OR
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Office in Lake Oswego, OR
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: April 24, 2019 (Oregon), per state regulator
   - States 15 years of experience (lender page, 2026-10-20)
8. **[Stephanie O'Farrell](https://lendb.ai/lo/stephanie-o-farrell-95809)** (NMLS 95809), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in OR: confirmed with the Oregon regulator, 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 Smith](https://lendb.ai/lo/jason-smith-1030753)** (NMLS 1030753), Ladera Lending, Inc., Lake Forest, CA
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: June 21, 2013 (Oregon), per state regulator
10. **[Harold Perkins](https://lendb.ai/lo/harold-perkins-227298)** (NMLS 227298), Galaxy Lending Group LLC
   - Lists Refinance on lender page (lender page, verified 2026-10-22)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: May 31, 2016 (Oregon), per state regulator
   - States 20 years of experience (lender page, 2026-10-22)
11. **[Kris Hermann](https://lendb.ai/lo/kris-hermann-1247814)** (NMLS 1247814), Lit Financial Corporation
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: February 17, 2015 (Colorado), per state regulator
   - States 10 years of experience (lender page, 2026-10-19)
12. **[Mike Gillett](https://lendb.ai/lo/michael-gillett-362285)** (NMLS 362285), Mortgage Marketplace LLC, Salem, OR
   - Lists Refinance on lender page (lender page, verified 2026-10-22)
   - Office in Salem, OR
   - Licensed in OR: confirmed with the Oregon regulator (license 362285), verified 2026-10-20
   - Earliest state license record: July 27, 2015 (California), per state regulator
   - States 30 years of experience (lender page, 2026-10-22)
13. **[Christopher Arnold](https://lendb.ai/lo/christopher-arnold-1702764)** (NMLS 1702764), Newrez, Fort Washington, PA
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
14. **[James Conley](https://lendb.ai/lo/james-conley-2026522)** (NMLS 2026522), CrossCountry Mortgage, Columbia, MD
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
   - States 6 years of experience (lender page, 2026-10-26)
15. **[Tommy Broome](https://lendb.ai/lo/thomas-broome-1845427)** (NMLS 1845427), Adaxa, LLC
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: April 22, 2019 (Iowa), per state regulator
   - States 7 years of experience (lender page, 2026-10-21)
16. **[Eric Haffner](https://lendb.ai/lo/eric-haffner-1915766)** (NMLS 1915766), Adaxa, LLC
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: December 2, 2019 (Iowa), per state regulator
17. **[Jim Simpson](https://lendb.ai/lo/james-simpson-420787)** (NMLS 420787), Mutual of Omaha Mortgage, Overland Park, KS
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in OR: confirmed with the Oregon regulator, 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 Paylor](https://lendb.ai/lo/benjamin-paylor-1257977)** (NMLS 1257977), CMG Home Loans, Olympia, WA
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in OR: confirmed with the Oregon regulator, 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 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)
   - Licensed in OR: confirmed with the Oregon regulator, 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 Gundersen](https://lendb.ai/lo/mark-gundersen-397893)** (NMLS 397893), Mutual of Omaha Mortgage, St. Charles, IL
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in OR: confirmed with the Oregon regulator, 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 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)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: December 21, 2023 (Oregon), per state regulator
22. **[Evan Jansen](https://lendb.ai/lo/evan-jansen-128384)** (NMLS 128384), Summit Mortgage Corporation, Lakewood, CO
   - Lists Refinance on lender page (lender page, verified 2026-10-26)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: July 29, 2008 (Wisconsin), per state regulator
23. **[Samantha Lindley](https://lendb.ai/lo/samantha-lindley-1210610)** (NMLS 1210610), American Pacific Mortgage, Kennewick, WA
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in OR: confirmed with the Oregon regulator, 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 Heinley](https://lendb.ai/lo/phillip-heinley-1674192)** (NMLS 1674192), Adaxa, LLC, Phoenix, AZ
   - Lists Refinance on lender page (lender page, verified 2026-10-21)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: April 23, 2019 (Iowa), per state regulator
25. **[Harmony Moyer](https://lendb.ai/lo/harmony-moyer-2616300)** (NMLS 2616300), Barrett Financial Group, Chandler, AZ
   - Lists Refinance on lender page (lender page, verified 2026-10-20)
   - Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20
   - Earliest state license record: May 21, 2025 (Illinois), per state regulator

## 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/oregon.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._