Loan programs · Kentucky
Renovation loan officers in Kentucky
As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Kentucky whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Scott Lacey (Guild Mortgage, Lincoln) and Mitchell Dunn (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in KY, 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
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Scott LaceyNMLS 8154
Guild Mortgage · Lincoln, RI · licensed in 22 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Mitchell DunnNMLS 1378534
Loan Factory · Mortgage broker · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Asset-based qualifying
- DSCR loan
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- States 15 years of experience (lender page, 2026-10-09)
- 4
Andy DiPuccioNMLS 114117
CrossCountry Mortgage · Lakeside Park, KY · licensed in 3 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- VA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Lakeside Park, KY
- States 20 years of experience (lender page, 2026-10-09)
- 5
Dan LarkinNMLS 258898
LeaderOne Financial · Oak Brook, IL · licensed in 18 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- Real estate investor
- Construction loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 6
Kylie MillerNMLS 562713
CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- New construction
- Physician and medical professional
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 7
Dustin SwigartNMLS 681479
CrossCountry Mortgage · Tampa, FL · licensed in 6 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 25 years of experience (lender page, 2026-10-09)
- 8
Jenny RutledgeNMLS 724686
Ruoff Mortgage · Kentucky · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- FHA loan
- Jumbo loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Kentucky
- 9
Matthew BrownNMLS 1254520
Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Florida records)
- 10
Greg FearnleyNMLS 2643728
CrossCountry Mortgage · Tampa, FL · licensed in 26 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- VA loan
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 11 years of experience (lender page, 2026-10-09)
- 11
Mitchell ScottNMLS 1313748
CrossCountry Mortgage · Springfield, MO · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 12
Stef AdamsNMLS 653821
CrossCountry Mortgage · Ft. Mitchell, KY · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Ft. Mitchell, KY
- Licensed since 2023 (per Florida records)
- 13
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Renovation loan (203k / HomeStyle)
- Condo
- Down payment assistance
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2016 (per Colorado records)
- 14
Tory Tarsitano, CRMSNMLS 146166
CrossCountry Mortgage · Mt. Prospect, IL · licensed in 10 states
- Renovation loan (203k / HomeStyle)
- Jumbo loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 15
Todd NunisNMLS 134294
Guild Mortgage · Colleyville, TX · licensed in 32 states
- Renovation loan (203k / HomeStyle)
- Reverse mortgage
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- 16
Gale GrantNMLS 294842
CrossCountry Mortgage · Lakeside Park, KY · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Lakeside Park, KY
- 17
Deborah Allred SantiagoNMLS 894630
Union Home Mortgage · Lexington, KY · licensed in 2 states
- Renovation loan (203k / HomeStyle)
- Condo
- Construction loan
- Manufactured home
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Office in Lexington, KY
- 18
Patton GadeNMLS 1243024
CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states
- Renovation loan (203k / HomeStyle)
- VA loan
- First-time buyer
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Colorado records)
- 19
Vasiliy KorchevoyNMLS 1074423
CrossCountry Mortgage · Roseville, CA · licensed in 7 states
- Renovation loan (203k / HomeStyle)
- Construction loan
- Down payment assistance
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 20
Matt GoodrichNMLS 118253
CrossCountry Mortgage · Columbus, OH · licensed in 19 states
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 21
Gleason JonesNMLS 1672418
CrossCountry Mortgage · Nashville, TN · licensed in 5 states
- Renovation loan (203k / HomeStyle)
- Real estate investor
- USDA loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 22
Christina ThluaiNMLS 1471916
CrossCountry Mortgage · Indianapolis, IN · licensed in 15 states
- Renovation loan (203k / HomeStyle)
- Condo
- Construction loan
- Down payment assistance
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 23
Katie HollowellNMLS 1647510
CrossCountry Mortgage · Hendersonville, TN · licensed in 4 states
- Renovation loan (203k / HomeStyle)
- Down payment assistance
- Non-QM loan
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- 24
Josh MoodyNMLS 139695
Highlands Residential Mortgage · Allen, TX · licensed in 37 states
- Renovation loan (203k / HomeStyle)
- FHA loan
- First-time buyer
- Real estate investor
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 25
Robert CarterNMLS 898005
Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states
- Renovation loan (203k / HomeStyle)
- Condo
- Construction loan
- Manufactured home
- KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
Before you choose
Contractor bids, consultants, draw schedules and as-completed appraisals add steps many loan officers avoid.
- How many renovation loans have you closed, and which programs?
- How do contractor draws and inspections work?
- What happens if the renovation runs over budget?
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 KY license is confirmed with the state regulator (check mark), KY 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 (licensed since, per the regulator records we hold) 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=renovation&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.