Loan programs · Kentucky

USDA loan officers in Kentucky

As of 2026-10-10, LenDb lists 25 loan officers licensed in or based in Kentucky whose lender pages show USDA loan work. The top-ranked are Joseph Geffert (Loan Factory), Don Waters (Fairway Independent Mortgage Corporation, Clayton) and Cori Drudge (Ruoff Mortgage, Fishers). 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 25

  1. 1

    Joseph GeffertNMLS 186479

    Loan Factory · Mortgage broker · Kentucky · licensed in 8 states

    • USDA loan
    • Rural property
    • VA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Office in Kentucky
    • Licensed since 2024 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  2. 2

    Don WatersNMLS 82361

    Fairway Independent Mortgage Corporation · Clayton, NC · licensed in 11 states

    • USDA loan
    • VA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  3. 3

    Cori DrudgeNMLS 229643

    Ruoff Mortgage · Fishers, IN · licensed in 8 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • VA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 27 years of experience (lender page, 2026-10-09)
  4. 4

    Tim SummersNMLS 64124

    Lower · Franklin, KY · licensed in 5 states

    • USDA loan
    • FHA loan
    • VA loan
    • First-time buyer
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-10)
    • Office in Franklin, KY
    • Licensed since 2026 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-10)
  5. 5

    Nathan SolidayNMLS 166402

    Success Mortgage Partners · Sellersburg, IN · licensed in 3 states

    • USDA loan
    • First-time buyer
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2020 (per Florida records)
    • States 17 years of experience (lender page, 2026-10-09)
  6. 6

    Samantha BaylessNMLS 460970

    Ruoff Mortgage · licensed in 3 states

    • USDA loan
    • Low credit score
    • FHA loan
    • New construction
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 19 years of experience (lender page, 2026-10-09)
  7. 7

    Alexis VargaNMLS 1473179

    CrossCountry Mortgage · Chicago, IL · licensed in 12 states

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
    • States 10 years of experience (lender page, 2026-10-09)
  8. 8

    Coley RauNMLS 256481

    CrossCountry Mortgage · Bryan, OH · licensed in 26 states

    • USDA loan
    • Down payment assistance
    • Jumbo loan
    • Real estate investor
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  9. 9

    Dan LarkinNMLS 258898

    LeaderOne Financial · Oak Brook, IL · licensed in 18 states

    • USDA loan
    • First-time buyer
    • Real estate investor
    • Construction loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  10. 10

    Bill RileyNMLS 415830

    CrossCountry Mortgage · Springfield, OH · licensed in 4 states

    • USDA loan
    • VA loan
    • FHA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 26 years of experience (lender page, 2026-10-09)
  11. 11

    James IgbinoviaNMLS 626688

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states

    • USDA loan
    • Self-employed
    • Construction loan
    • Jumbo loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  12. 12

    Jenny RutledgeNMLS 724686

    Ruoff Mortgage · Kentucky · licensed in 2 states

    • USDA loan
    • Construction loan
    • FHA loan
    • Jumbo loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Office in Kentucky
  13. 13

    James McMurreyNMLS 2302283

    CrossCountry Mortgage · Lacey, WA · licensed in 25 states

    • USDA loan
    • FHA loan
    • VA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
  14. 14

    Joshua PhillipsNMLS 157670

    Churchill Mortgage · Brentwood, TN · licensed in 10 states

    • USDA loan
    • FHA loan
    • VA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  15. 15

    Bobby DorganNMLS 2536169

    Loan Factory · Mortgage broker · licensed in 3 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • HELOC
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 18 years of experience (lender page, 2026-10-09)
  16. 16

    George HarshNMLS 237004

    CrossCountry Mortgage · Houston, TX · licensed in 33 states

    • USDA loan
    • Jumbo loan
    • VA loan
    • FHA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Colorado records)
  17. 17

    Joel AsburyNMLS 383616

    CrossCountry Mortgage · Greenwood, IN · licensed in 3 states

    • USDA loan
    • VA loan
    • FHA loan
    • First-time buyer
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  18. 18

    Adam SlackNMLS 203603

    CrossCountry Mortgage · Wilmington, NC · licensed in 27 states

    • USDA loan
    • VA loan
    • FHA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
  19. 19

    Kelly Ann WorthingtonNMLS 1464587

    CrossCountry Mortgage · Cleveland, OH · licensed in 9 states

    • USDA loan
    • VA loan
    • FHA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  20. 20

    Jordan TaylorNMLS 1862550

    Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 15 states

    • USDA loan
    • Construction loan
    • DSCR loan
    • FHA loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
  21. 21

    Rutherford YeatesNMLS 2096232

    Assurance Financial · Birmingham, AL · licensed in 15 states

    • USDA loan
    • FHA loan
    • VA loan
    • Construction loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  22. 22

    Gleason JonesNMLS 1672418

    CrossCountry Mortgage · Nashville, TN · licensed in 5 states

    • USDA loan
    • Real estate investor
    • Renovation loan (203k / HomeStyle)
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
  23. 23

    Kristi CurlingNMLS 2156237

    CrossCountry Mortgage · Franklin, TN · licensed in 5 states

    • USDA loan
    • Condo
    • Down payment assistance
    • Jumbo loan
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
  24. 24

    Christina ThluaiNMLS 1471916

    CrossCountry Mortgage · Indianapolis, IN · licensed in 15 states

    • USDA loan
    • Condo
    • Construction loan
    • Down payment assistance
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
  25. 25

    Nino ArapiNMLS 2227209

    Ruoff Mortgage · licensed in 2 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • Real estate investor
    • KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)

Before you choose

Property location and household income limits must both qualify, and USDA approval adds time to the closing.

  • Is this address in a USDA eligible area?
  • Does my household income fall under the limit for this county?
  • How long does USDA approval take with you right now?

More about USDA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a KY license is confirmed with the state regulator (check mark), KY is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) 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=usda&state=KY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.