Borrower situations · Kentucky
Loan officers for self-employed borrowers in Kentucky
As of 2026-10-09, LenDb lists 13 loan officers licensed in or based in Kentucky whose lender pages show Self-employed work. The top-ranked are James Igbinovia (CrossCountry Mortgage, Scottsdale), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Jeff Adams (CrossCountry Mortgage, Cincinnati). 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 13
- 1
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (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
- 2
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 3
Jeff AdamsNMLS 1851495
CrossCountry Mortgage · Cincinnati, OH · licensed in 25 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 4
James HarperNMLS 71317
Fairway Independent Mortgage Corporation · Hendersonville, TN · licensed in 5 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 5
Agostino (Augie) IaconoNMLS 283725
Barrett Financial Group · Mortgage broker · Brookfield, WI · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 6
Beth GarrettNMLS 782760
Ruoff Mortgage · licensed in 2 states
- Self-employed
- Down payment assistance
- First-time buyer
- Low credit score
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 11 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- Self-employed
- FHA loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
Tyler CainNMLS 118156
Embrace Home Loans · Temple Terrace, FL · licensed in 9 states
- Self-employed
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 9
Kylie MillerNMLS 562713
CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states
- Self-employed
- Jumbo loan
- New construction
- Physician and medical professional
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 10
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Self-employed
- Condo
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 11
Deborah Allred SantiagoNMLS 894630
Union Home Mortgage · Lexington, KY · licensed in 2 states
- Self-employed
- 2 to 4 unit property
- Condo
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in KY (listed on lender page, verified 2026-10-09)
- Branch in Kentucky
- No disciplinary actions on file at LenDb
- 12
Onur CamurNMLS 1254772
JPMorgan Chase Bank (Chase Home Lending) · Lexington, KY
- Self-employed
- Down payment assistance
- FHA loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Kentucky; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 13
Andre HostetlerNMLS 816733
JPMorgan Chase Bank (Chase Home Lending) · Bowling Green, KY
- Self-employed
- Down payment assistance
- FHA loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Kentucky; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
Before you choose
Tax write-offs reduce qualifying income, so the loan officer must know both agency self-employed rules and alternative documentation options.
- How will you calculate my income from my tax returns?
- Would a bank statement or P&L loan qualify me for more?
- Do I need two years of self-employment history?
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 actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=self-employed&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.