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Loan programs · Missouri

Renovation loan officers in Missouri

As of 2026-10-09, LenDb lists 44 loan officers licensed in or based in Missouri whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Keran Fears (American Pacific Mortgage, Hillsboro), Quentin Hardy (CrossCountry Mortgage, Charlotte) and Sandee Lutz (CrossCountry Mortgage, Romeo). Ranking is lender-neutral: specialty evidence first, then a license in MO, 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. 1

    Keran FearsNMLS 256586

    American Pacific Mortgage · Hillsboro, MO · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • Branch in Missouri
    • 30 years experience (stated on lender page, 2026-10-09)
  2. 2

    Quentin HardyNMLS 420639

    CrossCountry Mortgage · Charlotte, NC · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Sandee LutzNMLS 533656

    CrossCountry Mortgage · Romeo, MI · licensed in 29 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Catherine Mary HinesNMLS 230727

    Guild Mortgage · Chesterfield, MO · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • Branch in Missouri
    • 30 years experience (stated on lender page, 2026-10-09)
  5. 5

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

    • Renovation loan (203k / HomeStyle)
    • Bank statement loan
    • DSCR loan
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Beth GottliebNMLS 412713

    Guild Mortgage · Sandwich, IL · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • USDA loan
    • VA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Frank LoweNMLS 1966607

    LeaderOne Financial · Overland Park, KS · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 7 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Adam MillerNMLS 221065

    LeaderOne Financial · Oak Brook, IL · licensed in 13 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    John MarkmanNMLS 1660491

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Real estate investor
    • Self-employed
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 16 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  10. 10

    Tina ClarkNMLS 413597

    Guild Mortgage · Scottsdale, AZ · licensed in 26 states

    • Renovation loan (203k / HomeStyle)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Michael BialesNMLS 770504

    Guild Mortgage · Chesterfield, MO · licensed in 6 states

    • Renovation loan (203k / HomeStyle)
    • New construction
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • Branch in Missouri
    • 5 years licensed
  12. 12

    Alex CarrikerNMLS 1283419

    Fairway Independent Mortgage Corporation · Springfield, MO · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Reverse mortgage
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • Branch in Missouri
    • 2 years licensed
  13. 13

    Matthew BrownNMLS 1254520

    Loan Factory · Mortgage broker · Austin, TX · licensed in 28 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • FHA loan
    • HELOC
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    John HigdonNMLS 929683

    Guild Mortgage · Waterloo, IA · licensed in 8 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Mitchell ScottNMLS 1313748

    CrossCountry Mortgage · Springfield, MO · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • Branch in Missouri
    • 0 years licensed
  16. 16

    Matt GoodrichNMLS 118253

    CrossCountry Mortgage · Columbus, OH · licensed in 19 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Stephanie D JacksonNMLS 210649

    Guild Mortgage · Tulsa, OK · licensed in 4 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • USDA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  18. 18

    Shannon BradshawNMLS 545211

    CrossCountry Mortgage · Atlanta, GA · licensed in 13 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Jumbo loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Joe NelsonNMLS 2547018

    LeaderOne Financial · Overland Park, KS · licensed in 2 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • First-time buyer
    • Construction loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 21 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  20. 20

    David KrauseNMLS 143768

    Highlands Residential Mortgage · Rogers, AR · licensed in 3 states

    • Renovation loan (203k / HomeStyle)
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Todd NunisNMLS 134294

    Guild Mortgage · Colleyville, TX · licensed in 32 states

    • Renovation loan (203k / HomeStyle)
    • Reverse mortgage
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Damon LaylockNMLS 973325

    CrossCountry Mortgage · Melville, NY · licensed in 17 states

    • Renovation loan (203k / HomeStyle)
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Josh NumbersNMLS 218459

    CrossCountry Mortgage · Cleveland, OH · licensed in 17 states

    • Renovation loan (203k / HomeStyle)
    • Down payment assistance
    • VA loan
    • FHA loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Patton GadeNMLS 1243024

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 41 states

    • Renovation loan (203k / HomeStyle)
    • VA loan
    • First-time buyer
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Vasiliy KorchevoyNMLS 1074423

    CrossCountry Mortgage · Roseville, CA · licensed in 7 states

    • Renovation loan (203k / HomeStyle)
    • Construction loan
    • Down payment assistance
    • Non-QM loan
    • Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)
    • Licensed in MO (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb

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?

More about Renovation loan (203k / HomeStyle)

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in MO or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=renovation&state=MO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.