Loan programs · Kentucky
Reverse mortgage loan officers in Kentucky
As of 2026-10-09, LenDb lists 15 loan officers licensed in or based in Kentucky whose lender pages show Reverse mortgage work. The top-ranked are Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples), Ken Smith (Churchill Mortgage, Colorado Springs) and Chris Lee (Guild Mortgage, San Diego). 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 15
- 1
Dawn Rae PembertonNMLS 162320
Fairway Independent Mortgage Corporation · Naples, FL · licensed in 21 states
- Reverse mortgage
- VA loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 15 years licensed
- 2
Ken SmithNMLS 71162
Churchill Mortgage · Colorado Springs, CO · licensed in 6 states
- Reverse mortgage
- FHA loan
- VA loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 23 years experience (stated on lender page, 2026-10-09)
- 3
Chris LeeNMLS 201715
Guild Mortgage · San Diego, CA · licensed in 14 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 4
Wiley CorcoranNMLS 1570471
Guild Mortgage · San Diego, CA · licensed in 18 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 5
Michael InkmanNMLS 152707
Fairway Independent Mortgage Corporation · Carrollton, TX · licensed in 10 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 6
Paula Bergfeld, ChFC, CRMPNMLS 146985
CrossCountry Mortgage · Fishers, IN · licensed in 20 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 7
Patrick OrtizNMLS 209728
CrossCountry Mortgage · Newport Beach, CA · licensed in 22 states
- Reverse mortgage
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 14 years licensed
- 8
Todd NunisNMLS 134294
Guild Mortgage · Colleyville, TX · licensed in 32 states
- Reverse mortgage
- Renovation loan (203k / HomeStyle)
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 14 years licensed
- 9
Vasiliy KorchevoyNMLS 1074423
CrossCountry Mortgage · Roseville, CA · licensed in 7 states
- Reverse mortgage
- Construction loan
- Down payment assistance
- Non-QM loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- 10
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 9 states
- Reverse mortgage
- Non-QM loan
- Real estate investor
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 3 years licensed
- 11
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Reverse mortgage
- Jumbo loan
- Non-QM loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 2 years licensed
- 12
Christina ThluaiNMLS 1471916
CrossCountry Mortgage · Indianapolis, IN · licensed in 15 states
- Reverse mortgage
- Condo
- Construction loan
- Down payment assistance
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 13
Tracy BolenNMLS 1734508
American Pacific Mortgage · Roseville, CA · licensed in 51 states
- Reverse mortgage
- FHA loan
- Jumbo loan
- New construction
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 6 years licensed
- 14
Bobby DorganNMLS 2536169
Loan Factory · Mortgage broker · licensed in 3 states
- Reverse mortgage
- FHA loan
- First-time buyer
- HELOC
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 1 years licensed
- 15
Samantha BaylessNMLS 460970
Ruoff Mortgage · licensed in 3 states
- Reverse mortgage
- USDA loan
- Down payment assistance
- FHA loan
- Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 8 years licensed
Before you choose
Counseling, financial assessment and heir considerations make reverse mortgages a specialty of their own.
- Are you a reverse mortgage specialist, and how many have you closed?
- What are the total costs, including mortgage insurance?
- What happens to the home for my heirs?
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 KY or have a branch there. Then branch location, years licensed 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=reverse&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.