{
  "canonical_url": "https://lendb.ai/s/va/kentucky",
  "summary": "As of 2026-10-09, LenDb lists 139 loan officers licensed in or based in Kentucky whose lender pages show VA loan work. The top-ranked are Connie Smith (Union Home Mortgage, Lakeside Park), Ken Smith (Churchill Mortgage, Colorado Springs) and Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "KY",
  "total": 139,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 57.2,
      "loan_officer": {
        "nmls_id": 62811,
        "slug": "connie-smith-62811",
        "full_name": "Connie Smith",
        "canonical_url": "https://lendb.ai/lo/connie-smith-62811",
        "json_url": "https://lendb.ai/lo/connie-smith-62811.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Lakeside Park",
          "state": "KY"
        },
        "licensed_states": [
          "IN",
          "KY",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 16,
        "lender_profile_url": "https://www.uhm.com/loan-officers/csmith/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in KY (listed on lender page, verified 2026-10-09)",
        "Branch in Kentucky",
        "16 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/connie-smith-62811"
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 71162,
        "slug": "ken-smith-71162",
        "full_name": "Ken Smith",
        "canonical_url": "https://lendb.ai/lo/ken-smith-71162",
        "json_url": "https://lendb.ai/lo/ken-smith-71162.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "IN",
          "KY",
          "NM",
          "SD",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 23,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/ken-smith"
      },
      "reasons": [
        "Lists VA loan 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)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ken-smith-71162"
    },
    {
      "rank": 3,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 162320,
        "slug": "dawn-pemberton-162320",
        "full_name": "Dawn Rae Pemberton",
        "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in KY (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 4,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 256163,
        "slug": "scott-evans-256163",
        "full_name": "Scott Evans",
        "canonical_url": "https://lendb.ai/lo/scott-evans-256163",
        "json_url": "https://lendb.ai/lo/scott-evans-256163.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DC",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-4018/scott-evans/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in KY (listed on lender page, verified 2026-10-09)",
        "13 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-evans-256163"
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1057175,
        "slug": "kristina-hayes-1057175",
        "full_name": "Kristina Hayes",
        "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175",
        "json_url": "https://lendb.ai/lo/kristina-hayes-1057175.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "ND",
          "OR",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175"
    },
    {
      "rank": 6,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
        "json_url": "https://lendb.ai/lo/morgan-cowle-40312.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "CT",
          "IN",
          "KY",
          "MI",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 18,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in KY (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312"
    },
    {
      "rank": 7,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 82361,
        "slug": "donald-waters-82361",
        "full_name": "Don Waters",
        "canonical_url": "https://lendb.ai/lo/donald-waters-82361",
        "json_url": "https://lendb.ai/lo/donald-waters-82361.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Clayton",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KS",
          "KY",
          "MI",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/don-waters-82361"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in KY (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-waters-82361"
    },
    {
      "rank": 8,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 114117,
        "slug": "andy-dipuccio-114117",
        "full_name": "Andy DiPuccio",
        "canonical_url": "https://lendb.ai/lo/andy-dipuccio-114117",
        "json_url": "https://lendb.ai/lo/andy-dipuccio-114117.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Lakeside Park",
          "state": "KY"
        },
        "licensed_states": [
          "IN",
          "KY",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/lakeside-park-ky-2907/andrew-dipuccio/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in KY (listed on lender page, verified 2026-10-09)",
        "Branch in Kentucky",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/andy-dipuccio-114117"
    },
    {
      "rank": 9,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 40422,
        "slug": "lee-dozier-40422",
        "full_name": "Lee Dozier",
        "canonical_url": "https://lendb.ai/lo/lee-dozier-40422",
        "json_url": "https://lendb.ai/lo/lee-dozier-40422.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CT",
          "GA",
          "IN",
          "KY",
          "MS",
          "OK",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 29,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/lee-dozier"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/lee-dozier-40422"
    },
    {
      "rank": 10,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 283725,
        "slug": "agostino-augie-iacono-283725",
        "full_name": "Agostino (Augie) Iacono",
        "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725",
        "json_url": "https://lendb.ai/lo/agostino-augie-iacono-283725.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Brookfield",
          "state": "WI"
        },
        "licensed_states": [
          "AZ",
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "OH",
          "OK",
          "PA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/agostino-augie-iacono"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725"
    },
    {
      "rank": 11,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 1028806,
        "slug": "cynthia-olvera-1028806",
        "full_name": "Cindy Olvera",
        "canonical_url": "https://lendb.ai/lo/cynthia-olvera-1028806",
        "json_url": "https://lendb.ai/lo/cynthia-olvera-1028806.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "OR",
          "SC",
          "TN",
          "TX",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/cindy-olvera-119-ctco.html"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/cynthia-olvera-1028806"
    },
    {
      "rank": 12,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 724686,
        "slug": "jenny-rutledge-724686",
        "full_name": "Jenny Rutledge",
        "canonical_url": "https://lendb.ai/lo/jenny-rutledge-724686",
        "json_url": "https://lendb.ai/lo/jenny-rutledge-724686.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868"
        },
        "branch": {
          "city": null,
          "state": "KY"
        },
        "licensed_states": [
          "IN",
          "KY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.ruoff.com/JennyRutledge"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/jenny-rutledge-724686"
    },
    {
      "rank": 13,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1725443,
        "slug": "ioannis-stefanidis-1725443",
        "full_name": "Yanni Stefanidis",
        "canonical_url": "https://lendb.ai/lo/ioannis-stefanidis-1725443",
        "json_url": "https://lendb.ai/lo/ioannis-stefanidis-1725443.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
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          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/cari-zepeda-119-ctcz.html"
      },
      "reasons": [
        "Lists VA loan 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"
      ],
      "canonical_url": "https://lendb.ai/lo/cari-zepeda-1939523"
    }
  ]
}