--- canonical_url: https://lendb.ai/s/renovation/kentucky last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Scott Lacey](https://lendb.ai/lo/scott-lacey-8154)** (NMLS 8154), Guild Mortgage, Lincoln, RI - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Mitchell Dunn](https://lendb.ai/lo/mitchell-dunn-1378534)** (NMLS 1378534), Loan Factory - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 4. **[Andy DiPuccio](https://lendb.ai/lo/andy-dipuccio-114117)** (NMLS 114117), CrossCountry Mortgage, Lakeside Park, KY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Lakeside Park, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-09) 5. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 6. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 7. **[Dustin Swigart](https://lendb.ai/lo/dustin-swigart-681479)** (NMLS 681479), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 8. **[Jenny Rutledge](https://lendb.ai/lo/jenny-rutledge-724686)** (NMLS 724686), Ruoff Mortgage, KY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Kentucky - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Matthew Brown](https://lendb.ai/lo/matthew-brown-1254520)** (NMLS 1254520), Loan Factory, Austin, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Florida records) 10. **[Greg Fearnley](https://lendb.ai/lo/gregory-fearnley-2643728)** (NMLS 2643728), CrossCountry Mortgage, Tampa, FL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 11. **[Mitchell Scott](https://lendb.ai/lo/mitchell-scott-1313748)** (NMLS 1313748), CrossCountry Mortgage, Springfield, MO - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 12. **[Stef Adams](https://lendb.ai/lo/stefanie-adams-653821)** (NMLS 653821), CrossCountry Mortgage, Ft. Mitchell, KY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Ft. Mitchell, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) 13. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 14. **[Tory Tarsitano, CRMS](https://lendb.ai/lo/tory-tarsitano-146166)** (NMLS 146166), CrossCountry Mortgage, Mt. Prospect, IL - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 15. **[Todd Nunis](https://lendb.ai/lo/roy-nunis-134294)** (NMLS 134294), Guild Mortgage, Colleyville, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) 16. **[Gale Grant](https://lendb.ai/lo/gale-grant-294842)** (NMLS 294842), CrossCountry Mortgage, Lakeside Park, KY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Lakeside Park, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[Deborah Allred Santiago](https://lendb.ai/lo/deborah-allred-santiago-894630)** (NMLS 894630), Union Home Mortgage, Lexington, KY - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - Office in Lexington, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Patton Gade](https://lendb.ai/lo/patton-gade-1243024)** (NMLS 1243024), CrossCountry Mortgage, Scottsdale, AZ - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 19. **[Vasiliy Korchevoy](https://lendb.ai/lo/vasiliy-korchevoy-1074423)** (NMLS 1074423), CrossCountry Mortgage, Roseville, CA - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 20. **[Matt Goodrich](https://lendb.ai/lo/matthew-goodrich-118253)** (NMLS 118253), CrossCountry Mortgage, Columbus, OH - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 21. **[Gleason Jones](https://lendb.ai/lo/barry-jones-1672418)** (NMLS 1672418), CrossCountry Mortgage, Nashville, TN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 22. **[Christina Thluai](https://lendb.ai/lo/christina-thluai-1471916)** (NMLS 1471916), CrossCountry Mortgage, Indianapolis, IN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 23. **[Katie Hollowell](https://lendb.ai/lo/katie-hollowell-1647510)** (NMLS 1647510), CrossCountry Mortgage, Hendersonville, TN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Josh Moody](https://lendb.ai/lo/joshua-moody-139695)** (NMLS 139695), Highlands Residential Mortgage, Allen, TX - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 25. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN - Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09) - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/renovation/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._