---
canonical_url: https://lendb.ai/s/self-employed/kentucky
last_verified: 2026-10-09
---

# Loan officers for self-employed borrowers in Kentucky

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Kentucky whose lender pages show Self-employed work. The top-ranked are Joe Magallanes (CrossCountry Mortgage, Newport Beach), James Igbinovia (CrossCountry Mortgage, Scottsdale) and Beth Garrett (Ruoff Mortgage). 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. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA
   - Lists Self-employed 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 2023 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ
   - Lists Self-employed 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 20 years of experience (lender page, 2026-10-09)
3. **[Beth Garrett](https://lendb.ai/lo/beth-garrett-782760)** (NMLS 782760), Ruoff Mortgage
   - Lists Self-employed 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 11 years of experience (lender page, 2026-10-09)
4. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN
   - Lists Self-employed 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 2019 (per Florida records)
5. **[Jeff Adams](https://lendb.ai/lo/jeffrey-adams-1851495)** (NMLS 1851495), CrossCountry Mortgage, Cincinnati, OH
   - Lists Self-employed 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)
6. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH
   - Lists Self-employed 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. **[Agostino (Augie) Iacono](https://lendb.ai/lo/agostino-augie-iacono-283725)** (NMLS 283725), Barrett Financial Group, Brookfield, WI
   - Lists Self-employed 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 2024 (per Florida records)
8. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA
   - Lists Self-employed 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)
9. **[Onur Camur](https://lendb.ai/lo/onur-camur-1254772)** (NMLS 1254772), JPMorgan Chase Bank (Chase Home Lending), Lexington, KY
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Lexington, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
10. **[Andre Hostetler](https://lendb.ai/lo/andre-hostetler-816733)** (NMLS 816733), JPMorgan Chase Bank (Chase Home Lending), Bowling Green, KY
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Bowling Green, KY
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/self-employed/kentucky.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._