Borrower situations · Texas
Loan officers for homeowners who are refinancing in Texas
As of 2026-10-26, LenDb lists 107 loan officers licensed in or based in Texas whose lender pages show Refinance work. The top-ranked are Zinnia Galindo (CrossCountry Mortgage, Plano), Kellie Buchanan (Highlands Residential Mortgage, Allen) and Sabrena Hughes (Highlands Residential Mortgage, Texarkana). Ranking is lender-neutral: specialty evidence first, then a license in TX, 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
Zinnia GalindoNMLS 2014688
CrossCountry Mortgage · Plano, TX
- Refinance
- FHA loan
- First-time buyer
- HELOC
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Plano, TX
- Earliest state license record: March 5, 2021 (Texas), per state regulator
- 2
Kellie BuchananNMLS 744052
Highlands Residential Mortgage · Allen, TX · licensed in 6 states
- Refinance
- Condo
- Manufactured home
- Vacation home
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Allen, TX
- Earliest state license record: January 6, 2012 (Texas), per state regulator
- States 34 years of experience (lender page, 2026-10-20)
- 3
Sabrena HughesNMLS 1305351
Highlands Residential Mortgage · Texarkana, TX · licensed in 3 states
- Refinance
- Jumbo loan
- Real estate investor
- USDA loan
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Texarkana, TX
- Earliest state license record: May 4, 2015 (Texas), per state regulator
- States 20 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 TX: confirmed with the Texas regulator, verified 2026-10-13
- 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
Sharon ConnerNMLS 2465316
Barrett Financial Group · Mortgage broker · Eagle River, AK
- Refinance
- VA loan
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: November 7, 2025 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 6
Beverly LiesyNMLS 241577
Newrez · Seattle, WA · licensed in 5 states
- Refinance
- New construction
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- 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)
- 7
Rob EllisNMLS 292336
CrossCountry Mortgage · Lewisville, TX · licensed in 2 states
- Refinance
- Construction loan
- FHA loan
- First-time buyer
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Lewisville, TX
- Earliest state license record: July 9, 2026 (Texas), per state regulator
- 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 TX: confirmed with the Texas regulator, verified 2026-10-13
- 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
Dick DunbarNMLS 309276
Guild Mortgage · Austin, TX
- Refinance
- First-time buyer
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Austin, TX
- Earliest state license record: September 14, 2009 (Texas), per state regulator
- States 20 years of experience (lender page, 2026-10-20)
- 10
Steve HochreinNMLS 133559
Newrez · Columbia, MD · licensed in 15 states
- Refinance
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: February 21, 2011 (Florida), per state regulator
- States 14 years of experience (lender page, 2026-10-14)
- 11
Ryan PerrenoudNMLS 250511
Bayshore Mortgage Funding, LLC · licensed in 5 states
- Refinance
- FHA loan
- First-time buyer
- VA loan
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 26, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-21)
- 12
Jason SmithNMLS 1030753
Ladera Lending, Inc. · Lake Forest, CA · licensed in 8 states
- Refinance
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: June 21, 2013 (Oregon), per state regulator
- 13
Chris CarneyNMLS 1721392
Guild Mortgage · Southlake, TX · licensed in 2 states
- Refinance
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Southlake, TX
- Earliest state license record: June 5, 2018 (Texas), per state regulator
- 14
Torrey HammondNMLS 2143764
The Mortgage Link, Inc. · Dallas, TX
- Refinance
- First-time buyer
- Real estate investor
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Dallas, TX
- Earliest state license record: June 17, 2025 (Texas), per state regulator
- 15
Harold PerkinsNMLS 227298
Galaxy Lending Group LLC · licensed in 3 states
- Refinance
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- 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)
- 16
Christopher ArnoldNMLS 1702764
Newrez · Fort Washington, PA · licensed in 15 states
- Refinance
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 30, 2018 (Wisconsin), per state regulator
- 17
Tim TallisNMLS 339303
Veterans United Home Loans · Columbia, MO · licensed in 6 states
- Refinance
- VA loan
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 30, 2011 (California), per state regulator
- 18
Brandi LangfordNMLS 2311171
Highlands Residential Mortgage · Texarkana, TX · licensed in 2 states
- Refinance
- Down payment assistance
- Real estate investor
- USDA loan
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Texarkana, TX
- Earliest state license record: May 9, 2022 (Texas), per state regulator
- 19
Kristin BaileyNMLS 1160161
- Refinance
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: August 9, 2019 (Texas), per state regulator
- 20
Amy CummingsNMLS 882893
Highlands Residential Mortgage · Texarkana, TX · licensed in 2 states
- Refinance
- Down payment assistance
- Real estate investor
- USDA loan
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Office in Texarkana, TX
- Earliest state license record: December 18, 2023 (Texas), per state regulator
- 21
David WexlerNMLS 1473447
The Federal Savings Bank · Bank · licensed in 3 states
- Refinance
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Focus: Refinance (from their bio on their lender page, verified 2026-10-26)
- Earliest state license record: August 22, 2025 (Florida), per state regulator
- States 8 years of experience (lender page, 2026-10-16)
- 22
Eric HaffnerNMLS 1915766
Adaxa, LLC · licensed in 5 states
- Refinance
- HELOC
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: December 2, 2019 (Iowa), per state regulator
- 23
Ashton Pereida-RiceNMLS 2022873
Ladera Lending, Inc. · Ladera Ranch, CA · licensed in 3 states
- Refinance
- HELOC
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: September 14, 2020 (Iowa), per state regulator
- States 5 years of experience (lender page, 2026-10-21)
- 24
Jim SimpsonNMLS 420787
Mutual of Omaha Mortgage · Overland Park, KS · licensed in 16 states
- Refinance
- FHA loan
- First-time buyer
- Jumbo loan
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- 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)
- 25
Megan CurtisNMLS 1621681
Pennymac · Pasadena, CA · licensed in 9 states
- Refinance
- HELOC
- ✓Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: September 12, 2017 (Colorado), 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 TX license is confirmed with the state regulator (check mark), TX 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=TX. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.