--- canonical_url: https://lendb.ai/s/usda/kentucky last_verified: 2026-10-10 --- # 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. ## Ranked, with reasons 1. **[Joseph Geffert](https://lendb.ai/lo/joseph-geffert-186479)** (NMLS 186479), Loan Factory, KY - Lists USDA loan on lender page (lender page, verified 2026-10-09) - Office in Kentucky - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 2. **[Don Waters](https://lendb.ai/lo/donald-waters-82361)** (NMLS 82361), Fairway Independent Mortgage Corporation, Clayton, NC - Lists USDA loan 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 2015 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Cori Drudge](https://lendb.ai/lo/cori-drudge-229643)** (NMLS 229643), Ruoff Mortgage, Fishers, IN - Lists USDA loan 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 2022 (per Florida records) - States 27 years of experience (lender page, 2026-10-09) 4. **[Tim Summers](https://lendb.ai/lo/timothy-summers-64124)** (NMLS 64124), Lower, Franklin, KY - Lists USDA loan on lender page (lender page, verified 2026-10-10) - Office in Franklin, KY - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Florida records) - States 30 years of experience (lender page, 2026-10-10) 5. **[Nathan Soliday](https://lendb.ai/lo/michael-soliday-166402)** (NMLS 166402), Success Mortgage Partners, Sellersburg, IN - Lists USDA loan 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 2020 (per Florida records) - States 17 years of experience (lender page, 2026-10-09) 6. **[Samantha Bayless](https://lendb.ai/lo/samantha-bayless-460970)** (NMLS 460970), Ruoff Mortgage - Lists USDA loan 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 2017 (per Florida records) - States 19 years of experience (lender page, 2026-10-09) 7. **[Alexis Varga](https://lendb.ai/lo/alexis-varga-1473179)** (NMLS 1473179), CrossCountry Mortgage, Chicago, IL - Lists USDA loan 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) - States 10 years of experience (lender page, 2026-10-09) 8. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH - Lists USDA loan 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 2017 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 9. **[Dan Larkin](https://lendb.ai/lo/daniel-larkin-258898)** (NMLS 258898), LeaderOne Financial, Oak Brook, IL - Lists USDA loan 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 2017 (per Florida records) - States 25 years of experience (lender page, 2026-10-09) 10. **[Bill Riley](https://lendb.ai/lo/william-riley-415830)** (NMLS 415830), CrossCountry Mortgage, Springfield, OH - Lists USDA loan 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 26 years of experience (lender page, 2026-10-09) 11. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - Lists USDA loan 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) 12. **[Jenny Rutledge](https://lendb.ai/lo/jenny-rutledge-724686)** (NMLS 724686), Ruoff Mortgage, KY - Lists USDA loan on lender page (lender page, verified 2026-10-09) - Office in Kentucky - KY listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA - Lists USDA loan 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) 14. **[Joshua Phillips](https://lendb.ai/lo/joshua-phillips-157670)** (NMLS 157670), Churchill Mortgage, Brentwood, TN - Lists USDA loan 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 2017 (per Florida records) 15. **[Bobby Dorgan](https://lendb.ai/lo/robert-dorgan-2536169)** (NMLS 2536169), Loan Factory - Lists USDA loan 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 18 years of experience (lender page, 2026-10-09) 16. **[George Harsh](https://lendb.ai/lo/george-harsh-237004)** (NMLS 237004), CrossCountry Mortgage, Houston, TX - Lists USDA loan 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 2015 (per Colorado records) 17. **[Joel Asbury](https://lendb.ai/lo/joel-asbury-383616)** (NMLS 383616), CrossCountry Mortgage, Greenwood, IN - Lists USDA loan 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 2017 (per Florida records) 18. **[Adam Slack](https://lendb.ai/lo/justin-slack-203603)** (NMLS 203603), CrossCountry Mortgage, Wilmington, NC - Lists USDA loan 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) 19. **[Kelly Ann Worthington](https://lendb.ai/lo/kelly-worthington-1464587)** (NMLS 1464587), CrossCountry Mortgage, Cleveland, OH - Lists USDA loan 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) 20. **[Jordan Taylor](https://lendb.ai/lo/jordan-taylor-1862550)** (NMLS 1862550), Fairway Independent Mortgage Corporation, Fredericksburg, VA - Lists USDA loan 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 2022 (per Florida records) 21. **[Rutherford Yeates](https://lendb.ai/lo/rutherford-yeates-2096232)** (NMLS 2096232), Assurance Financial, Birmingham, AL - Lists USDA loan 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) 22. **[Gleason Jones](https://lendb.ai/lo/barry-jones-1672418)** (NMLS 1672418), CrossCountry Mortgage, Nashville, TN - Lists USDA loan 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) 23. **[Kristi Curling](https://lendb.ai/lo/kristi-curling-2156237)** (NMLS 2156237), CrossCountry Mortgage, Franklin, TN - Lists USDA loan 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) 24. **[Christina Thluai](https://lendb.ai/lo/christina-thluai-1471916)** (NMLS 1471916), CrossCountry Mortgage, Indianapolis, IN - Lists USDA loan 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) 25. **[Nino Arapi](https://lendb.ai/lo/nino-arapi-2227209)** (NMLS 2227209), Ruoff Mortgage - Lists USDA loan 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) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/usda/kentucky. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._