Monica Owens joined the Mortgage Warehouse in October 2012 as Mortgage Underwriter. Her duties include underwriting, credit analysis and appraisal review for mortgage loans.
Monica comes to us with more than 17 years of experience in Mortgage Lending, Retail Banking and Regulatory Compliance. Monica is a Direct Endorsement Underwriter for FHA and has delegated authority to underwrite VA loans. She also has an extensive background with Rural Housing and Conventional Loans.
Jennifer McKinney is the Branch Manager for our Louisville, KY office and is also a Senior Loan Originator, focused primarily on meeting the needs of her clients. Recognized as a tenured leader, she also performs operational functions related to the growth and success of the entire company. Jennifer has played a key role in the success of Mortgage Warehouse since 2008. Jennifer has over 17 years of experience in mortgage lending and has been involved with over $250 million in mortgage fundings.
Jennifer began her mortgage career as a loan originator for a regional mortgage company where she was consistently ranked as the #1 loan originator in her office and captured several production records. In 2006, Jennifer decided to experience another side of mortgage lending and went to work for a national mortgage bank as an account executive. She enjoyed much success with the mortgage lender but missed dealing directly with the borrowers that she was helping. In 2008, she decided to go back to helping customers with their mortgages directly and was hired on at Mortgage Warehouse.
Jennifer attended the University of Louisville, College of Business where she obtained her Bachelor’s Degree with a Major in Finance. She also completed her Master’s of Business from TUI University in March of 2008. Jennifer has completed extensive hours of mortgage education, passed the National S.A.F.E. exam and state components in KY, IN, and FL.
Jennifer is married to her husband, Jake, who currently serves in the Kentucky Army National Guard. They have two school-aged boys who keep them busy. They reside in Louisville, KY.
NMLS ID # 106135
Mike joined Mortgage Warehouse in 2007 and currently serves as Executive Vice President. Mike works closely with secondary market investors to keep Mortgage Warehouse an industry leader in total mortgage price to the homeowner. Mike has a wide range of job functions including but not limited to underwriting decisions, marketing, pricing, and ensuring compliance with all State and Federal laws.
Even with his executive responsibilities, Mike still ranks as one of Mortgage Warehouse’s top producing loan originators always making time to work directly with the customer. Mike is known for having the “heart of a teacher” when helping homeowners use today’s mortgage rules to get ahead financially.
Mike has over 20 years of residential mortgage experience with well over $1 billion in mortgage funding. Mike’s early career is filled with top producing awards such as Loan Originator of the Year. During the mortgage boom years from 2001-2006, one of the fastest growing mortgage companies in America chose Mike as the best role model to develop its employees. Mike has mentored over 300 new loan originators, processors, underwriters, and managers over his career. By 2005, Mike was largely responsible for establishing mortgage operations in 16 major cities extending from Orlando, FL to Denver, CO. Since 2007, Mike has played a key role in the growth and success of Mortgage Warehouse. In the worst years of the housing crisis (2009 and 2010), Business First recognized Mortgage Warehouse as the only mortgage company in Louisville’s 50 fastest growing companies. During that time Mike was critical in evolving Mortgage Warehouse from a mortgage broker into a lender that funds its own mortgage loans. The transformation laid the groundwork for high demand no closing cost loan options that made Mortgage Warehouse a leader in price and would carry the endorsement of WHAS radio hosts Terry Meiners and Tony Cruise in Louisville. In June 2012, Mike relocated from Louisville, KY to Fort Myers, FL to help the company expand in Florida. Mortgage Warehouse would continue its growth and later eclipse $120 million in lending volume for 2016 as a company. In 2017, Mike was named one of the top mortgage professionals in all of SW Florida (Gulfshore Life Magazine), and in 2018 Forbes recognized Mike among SW Florida’s Market Leaders. Mike spent 2020 on the housing market front lines of the Covid-19 pandemic as U.S. mortgage rates hit all-time record lows and Mortgage Warehouse would explode to well over $300 million funded locally. Mike continues to work with homeowners, homebuyers, and real estate agents by referral in both the greater Louisville, KY and SW Florida mortgage markets.
Mike currently holds mortgage licenses in Kentucky, Indiana, and Florida. Mike has passed the National S.A.F.E. mortgage exam, along with 5 other state specific exams. Mike is also a direct endorsed mortgage loan underwriter by the Federal Housing Administration.
NMLS ID 9291
Scott founded Mortgage Warehouse in 2003. For the first 7 years, Mortgage Warehouse operated as a mortgage broker. In early 2010, Scott successfully transitioned the company from brokering loans to lending the money on nearly every loan originated by Mortgage Warehouse.
In mid-2011, Mortgage Warehouse opened the Fort Myers, Florida office. Scott spends time between his Louisville office and the office in Fort Myers, where he now resides.
Scott’s work experience began as a Civil Engineer in Louisville, KY. In 1999, he made a career change to the mortgage industry. He was employed with AmeriLoan Mortgage Corporation where he was recognized as “Loan Originator of the Year” in 2000, “Manager of the Year” 2001 and 2002, and eventually became Vice President of the company in 2002. Realizing that this was the career he was meant for, Scott left AmeriLoan in early 2003 to start his own company, Mortgage Warehouse. Since inception, Mortgage Warehouse has consistently been ranked as one of the top mortgage companies among its peers and has been recognized 6 times by Business First publication as one of the Fastest Growing Privately Held Companies in Louisville (2009, 2010, 2013, 2014, 2017, 2021). With over 20 years of mortgage lending experience, Scott continues to lead the company to continued growth and success.
Completing over 200 hours of mortgage licensing education, Scott has passed the National S.A.F.E. mortgage exam along with the state component exams in KY, IN, and FL and is a licensed loan originator in all three states as well.
Scott earned his Bachelor of Science in Civil Engineering from the University of Evansville (Indiana).
NMLS ID # 52331