{
  "canonical_url": "https://lendb.ai/s/renovation/ohio",
  "summary": "As of 2026-10-09, LenDb lists 68 loan officers licensed in or based in Ohio whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Greg Kohlhagen (Union Home Mortgage, Sandusky), Heather Robison (Union Home Mortgage, Dublin) and Chris Martorano (Guild Mortgage, Chicago). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "renovation",
  "state": "OH",
  "total": 68,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 56,
      "loan_officer": {
        "nmls_id": 2100313,
        "slug": "greg-kohlhagen-2100313",
        "full_name": "Greg Kohlhagen",
        "canonical_url": "https://lendb.ai/lo/greg-kohlhagen-2100313",
        "json_url": "https://lendb.ai/lo/greg-kohlhagen-2100313.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Sandusky",
          "state": "OH"
        },
        "licensed_states": [
          "IL",
          "MI",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 18,
        "lender_profile_url": "https://www.uhm.com/loan-officers/greg-kohlhagen/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "18 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/greg-kohlhagen-2100313"
    },
    {
      "rank": 2,
      "score": 54.4,
      "loan_officer": {
        "nmls_id": 664590,
        "slug": "heather-robison-664590",
        "full_name": "Heather Robison",
        "canonical_url": "https://lendb.ai/lo/heather-robison-664590",
        "json_url": "https://lendb.ai/lo/heather-robison-664590.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Dublin",
          "state": "OH"
        },
        "licensed_states": [
          "OH",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 14,
        "lender_profile_url": "https://www.uhm.com/loan-officers/heather-robison/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "14 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heather-robison-664590"
    },
    {
      "rank": 3,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 130044,
        "slug": "christopher-martorano-130044",
        "full_name": "Chris Martorano",
        "canonical_url": "https://lendb.ai/lo/christopher-martorano-130044",
        "json_url": "https://lendb.ai/lo/christopher-martorano-130044.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "IL",
          "IN",
          "MI",
          "OH",
          "SC",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/il/chicago/chris-martorano-262-ctcm.html"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-martorano-130044"
    },
    {
      "rank": 4,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 233777,
        "slug": "timothy-bullock-233777",
        "full_name": "Timothy Bullock",
        "canonical_url": "https://lendb.ai/lo/timothy-bullock-233777",
        "json_url": "https://lendb.ai/lo/timothy-bullock-233777.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Akron",
          "state": "OH"
        },
        "licensed_states": [
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.uhm.com/loan-officers/tim-bullock/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/timothy-bullock-233777"
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 246454,
        "slug": "jeff-ogden-246454",
        "full_name": "Jeff Ogden",
        "canonical_url": "https://lendb.ai/lo/jeff-ogden-246454",
        "json_url": "https://lendb.ai/lo/jeff-ogden-246454.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Dublin",
          "state": "OH"
        },
        "licensed_states": [
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/jogden/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeff-ogden-246454"
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 436952,
        "slug": "jeffrey-aurand-436952",
        "full_name": "Jeffrey Aurand",
        "canonical_url": "https://lendb.ai/lo/jeffrey-aurand-436952",
        "json_url": "https://lendb.ai/lo/jeffrey-aurand-436952.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Maumee",
          "state": "OH"
        },
        "licensed_states": [
          "MI",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/jaurand/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-aurand-436952"
    },
    {
      "rank": 7,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 56398,
        "slug": "carol-friesz-56398",
        "full_name": "Carol Friesz",
        "canonical_url": "https://lendb.ai/lo/carol-friesz-56398",
        "json_url": "https://lendb.ai/lo/carol-friesz-56398.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Cincinnati",
          "state": "OH"
        },
        "licensed_states": [
          "KY",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/carol-friesz/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/carol-friesz-56398"
    },
    {
      "rank": 8,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 81106,
        "slug": "donald-welling-81106",
        "full_name": "Don Welling",
        "canonical_url": "https://lendb.ai/lo/donald-welling-81106",
        "json_url": "https://lendb.ai/lo/donald-welling-81106.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871"
        },
        "branch": {
          "city": "Dublin",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "NC",
          "OH",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/don-welling/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "Branch in Ohio",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-welling-81106"
    },
    {
      "rank": 9,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 213769,
        "slug": "heidi-gage-213769",
        "full_name": "Heidi Gage",
        "canonical_url": "https://lendb.ai/lo/heidi-gage-213769",
        "json_url": "https://lendb.ai/lo/heidi-gage-213769.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IL",
          "KY",
          "LA",
          "MA",
          "MD",
          "NC",
          "NJ",
          "OH",
          "OR",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 30,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/heidi-gage/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heidi-gage-213769"
    },
    {
      "rank": 10,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 1537524,
        "slug": "christopher-loughlin-1537524",
        "full_name": "Chris Loughlin",
        "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524",
        "json_url": "https://lendb.ai/lo/christopher-loughlin-1537524.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603"
        },
        "branch": {
          "city": "Baltimore",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "CT",
          "DC",
          "DE",
          "GA",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/chris-loughlin/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524"
    },
    {
      "rank": 11,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 1939523,
        "slug": "cari-zepeda-1939523",
        "full_name": "Cari Zepeda",
        "canonical_url": "https://lendb.ai/lo/cari-zepeda-1939523",
        "json_url": "https://lendb.ai/lo/cari-zepeda-1939523.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "TN",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/cari-zepeda-119-ctcz.html"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/cari-zepeda-1939523"
    },
    {
      "rank": 12,
      "score": 47,
      "loan_officer": {
        "nmls_id": 1254520,
        "slug": "matthew-brown-1254520",
        "full_name": "Matthew Brown",
        "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520",
        "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520"
    },
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        ],
        "years_licensed": 11,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-5337/james-reed/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in OH (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-reed-1034823"
    }
  ]
}