{ "canonical_url": "https://lendb.ai/s/vacation-home/kentucky", "summary": "As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in Kentucky whose lender pages show Vacation home work. The top-ranked are Sheri Watkins (Ruoff Mortgage), Kylie Miller (CrossCountry Mortgage, Beavercreek) and Bobby Dorgan (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "vacation-home", "state": "KY", "total": 9, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 56.3, "loan_officer": { "nmls_id": 279665, "slug": "sheri-watkins-279665", "full_name": "Sheri Watkins", "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "json_url": "https://lendb.ai/lo/sheri-watkins-279665.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-08-07", "state": "FL" }, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/SheriWatkins", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)", "Earliest state license record: August 7, 2019 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/SheriWatkins" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 51.8, "loan_officer": { "nmls_id": 562713, "slug": "kylie-miller-562713", "full_name": "Kylie Miller", "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "json_url": "https://lendb.ai/lo/kylie-miller-562713.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Beavercreek", "state": "OH" }, "licensed_states": [ "FL", "GA", "IL", "IN", "KY", "MI", "OH", "TN", "WA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-12-16", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)", "Earliest state license record: December 16, 2025 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 49.3, "loan_officer": { "nmls_id": 2536169, "slug": "robert-dorgan-2536169", "full_name": "Bobby Dorgan", "canonical_url": "https://lendb.ai/lo/robert-dorgan-2536169", "json_url": "https://lendb.ai/lo/robert-dorgan-2536169.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "KY", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-07-01", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/bobby-dorgan-2536169", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)", "Earliest state license record: July 1, 2025 (Florida), per state regulator", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-dorgan-2536169", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/bobby-dorgan-2536169" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 44.8, "loan_officer": { "nmls_id": 894630, "slug": "deborah-allred-santiago-894630", "full_name": "Deborah Allred Santiago", "canonical_url": "https://lendb.ai/lo/deborah-allred-santiago-894630", "json_url": "https://lendb.ai/lo/deborah-allred-santiago-894630.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Lexington", "state": "KY" }, "licensed_states": [ "IN", "KY" ], "licenses": [ { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Lexington, KY", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/deborah-allred-santiago-894630", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/deborah-allred-santiago/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 43.8, "loan_officer": { "nmls_id": 245451, "slug": "rex-grasz-245451", "full_name": "Rex Grasz", "canonical_url": "https://lendb.ai/lo/rex-grasz-245451", "json_url": "https://lendb.ai/lo/rex-grasz-245451.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Upper Sandusky", "state": "OH" }, "licensed_states": [ "IL", "IN", "KY", "MI", "OH", "WV" ], "licenses": [ { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.uhm.com/loan-officers/rex-grasz/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)" ], "canonical_url": "https://lendb.ai/lo/rex-grasz-245451", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/rex-grasz/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 42.8, "loan_officer": { "nmls_id": 898005, "slug": "robert-carter-898005", "full_name": "Robert Carter", "canonical_url": "https://lendb.ai/lo/robert-carter-898005", "json_url": "https://lendb.ai/lo/robert-carter-898005.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Knoxville", "state": "TN" }, "licensed_states": [ "FL", "AL", "GA", "KY", "NC", "SC", "TN", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-09-27", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.highlandsmortgage.com/agents/robert-carter/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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)", "Earliest state license record: September 27, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/robert-carter-898005", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.highlandsmortgage.com/agents/robert-carter/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 42.5, "loan_officer": { "nmls_id": 17499, "slug": "vincent-smith-17499", "full_name": "Vincent Smith", "canonical_url": "https://lendb.ai/lo/vincent-smith-17499", "json_url": "https://lendb.ai/lo/vincent-smith-17499.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Louisville", "state": "KY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ky/louisville/4111-shelbyville-rd-hla-17499", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Louisville, KY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/vincent-smith-17499", "license_check": { "state": "KY", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 42.5, "loan_officer": { "nmls_id": 426208, "slug": "aimee-thomas-426208", "full_name": "Aimee Thomas", "canonical_url": "https://lendb.ai/lo/aimee-thomas-426208", "json_url": "https://lendb.ai/lo/aimee-thomas-426208.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Louisville", "state": "KY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ky/louisville/1224-s-shelby-st-hla-426208", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Louisville, KY", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/aimee-thomas-426208", "license_check": { "state": "KY", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 42.5, "loan_officer": { "nmls_id": 427227, "slug": "kelly-gillespie-427227", "full_name": "Kelly Gillespie", "canonical_url": "https://lendb.ai/lo/kelly-gillespie-427227", "json_url": "https://lendb.ai/lo/kelly-gillespie-427227.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Lexington", "state": "KY" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ky/lexington/1824-alysheba-way-hla-427227", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home 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" ], "canonical_url": "https://lendb.ai/lo/kelly-gillespie-427227", "license_check": { "state": "KY", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] } ] }