---
canonical_url: https://lendb.ai/s/vacation-home/kentucky
last_verified: 2026-10-09
---

# Vacation home loan officers in Kentucky

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.

## Ranked, with reasons

1. **[Sheri Watkins](https://lendb.ai/lo/sheri-watkins-279665)** (NMLS 279665), Ruoff Mortgage
   - 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)
2. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH
   - 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)
3. **[Bobby Dorgan](https://lendb.ai/lo/robert-dorgan-2536169)** (NMLS 2536169), Loan Factory
   - 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)
4. **[Deborah Allred Santiago](https://lendb.ai/lo/deborah-allred-santiago-894630)** (NMLS 894630), Union Home Mortgage, Lexington, KY
   - 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)
5. **[Rex Grasz](https://lendb.ai/lo/rex-grasz-245451)** (NMLS 245451), Union Home Mortgage, Upper Sandusky, OH
   - 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)
6. **[Robert Carter](https://lendb.ai/lo/robert-carter-898005)** (NMLS 898005), Highlands Residential Mortgage, Knoxville, TN
   - 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
7. **[Vincent Smith](https://lendb.ai/lo/vincent-smith-17499)** (NMLS 17499), JPMorgan Chase Bank (Chase Home Lending), Louisville, KY
   - 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
8. **[Aimee Thomas](https://lendb.ai/lo/aimee-thomas-426208)** (NMLS 426208), JPMorgan Chase Bank (Chase Home Lending), Louisville, KY
   - 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
9. **[Kelly Gillespie](https://lendb.ai/lo/kelly-gillespie-427227)** (NMLS 427227), JPMorgan Chase Bank (Chase Home Lending), Lexington, KY
   - 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

## Questions to ask

- Will this qualify as a second home or an investment property?
- Can I rent it out part time and keep second home pricing?
- How do you treat short-term rental income?

Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/kentucky.

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