Commercial Lending
Ed Cunningham - Dent Commercial Lending Office
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Cell: (513) 404-7875
Phone: (513) 347-2293
Fax: 513-347-2282
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Ed Cunningham is a 23-year lending and banking veteran specializing in commercial real estate financing in the areas of multi-family, retail, industrial, owner occupied, and investment. He graduated from Bowling Green State University in 1994. Ed currently serves as the Auditor of the City of Sharonville and served on Sharonville City Council from 2010-2015. In addition, Ed has served on multiple non-profit organizations in board/director capacity and is currently serving as a member of Princeton City Schools Finance Committee. Ed is also a Co-Founder and Advisor to Festival of Sharonville, Inc., a 501C3 entity that plans SharonFest, an annual summer festival benefitting over 30 non-profit organizations. |
Dan James - Dent Commercial Lending Office
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Cell: (513) 403-8226
Phone: (513) 715-2303
Fax: 513-347-2282
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Following five years teaching at Elder High School, Dan began his 28-year banking career specializing in Commercial Banking. Prior to joining Cincinnati Federal, Dan worked as a Commercial Analyst, Senior Commercial Analyst, Commercial Portfolio Manager, Special Assets department representative and most recently as a Regional Credit Officer covering three states. Dan began his career at Cincinnati Federal as a Commercial Lending officer in October of 2020. |
Greg Meyers - Dent Commercial Lending Office
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Cell: (513) 673-2046
Phone: (513) 347-2285
Fax: 513-347-2292
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Greg has more than forty years of Banking experience with most of that time focused in Lending. He has developed and managed consumer, commercial and residential lending programs in three states over his career. He came to Cincinnati Federal in 2013. As a part of the Senior Management team of the Bank, he administers all aspects of lending. Greg received his bachelor’s degree from Holy Cross College and his master’s degree from Xavier University. |
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Residential Lending
Rich Ambrose - Dent Lending Office
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NMLS #279914
Cell: (513) 582-5616
Phone: (513) 347-2425
Fax: 513-574-4370
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Rich brings his 25 years of Mortgage banking experience to every purchase or refinance transaction. Born in Cincinnati and raising 4 children with his wife Mary, Rich knows the tristate area well. Cincinnati Federal offers conventional, VA, FHA, construction, USDA, Jumbo, investment, commercial as well as Portfolio Loans (our portfolio programs are only offered by Cincinnati Federal). Rich will utilize his experience and all of these resources to help you determine the best loan for you. Rich’s tireless follow up & follow through to each transaction ensures a smooth process for all parties involved. Please contact Rich by phone or by email for any question or to get started on a new loan or a no charge in-depth pre-qualification.
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Leigh Ann Byrne - Milford Lending Office
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NMLS #2142459
Cell: (513) 633-9933
Phone: (513) 598-2292
Fax: 513-248-0564
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Leigh Ann Byrne joined Cincinnati Federal in November of 2020 as an Assistant to several Mortgage Loan Officers while learning the industry. She quickly transitioned into an Originator in December of 2021. Leigh Ann prides herself on being able to help make what can be a complicated process easier by guiding her customers through the mortgage journey. She also works to educate borrowers on the types of programs Cincinnati Federal offers to help them choose the right solution for their needs such as conventional, down payment assistance, first time home buyer grants, tax credits, government, physicians, and construction or rehab loans. She is currently a member of S.O.A.R. - Southern Ohio Association of Realtors and earned her Master’s from Xavier University and her Bachelor’s from the University of Akron where she also earned a full scholarship to play women’s basketball. She is a mother of five children and has resided in Anderson Township for over 25 years.
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Ed Collins - Florence Office
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NMLS #591668
Cell: (859) 750-0213
Phone: (859) 525-6655
Fax: 859-647-3972
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Ed Collins has been in mortgage lending for over 28 years. Over these many years he has held positions as a Sr. Loan Officer, Underwriter and Head of a Mortgage Department.
When you call Ed you'll be treated to friendly and honest service and will work with a professional that gets the job done.
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Mike Creech - Dent Lending Office
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NMLS #706243
Cell: (513) 616-8760
Phone: (513) 598-2290
Fax: 513-574-4370
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Mike is an experienced mortgage consultant and has worked in the banking industry since 1992. As a seasoned loan officer, he is dedicated to meeting the needs of his clients and helps them to navigate through numerous loan products to find the one that best fits their needs. His expertise includes a variety of loan products including conventional, U.S. Department of Veterans Affairs (VA), construction loans and down payment assistance programs.
He loves the job because it is a wonderful feeling to assist people in the dream of homeownership, especially first-time home buyers. The mortgage business is ever changing and he is always working to educate himself to better assist his clients. Helping individuals and families to find a home or save money is truly a rewarding experience.
A Hamilton County native, Mike is a graduate of the University of Cincinnati. He has long-established relationships with local industry professionals, and works to ensure that all involved parties remain well-informed through each step of the mortgage loan transaction.
When not assisting clients, he enjoys spending time camping with his family.
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Shawna Dougherty - Milford Lending Office
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NMLS # 450204
Cell: (937) 239-3188
Phone: (513) 347-2424
Fax: 513-574-4370
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Providing an excellent customer and business partner experience is at the core of how Shawna conducts business. With a background in the real estate industry, she is able to provide a unique set of skills to ensure a smooth transaction for all parties involved. She welcomes questions and takes the time to educate borrowers about the mortgage process as well as individualized mortgage loan product options. Also active in her community, Shawna enjoys volunteering in various outreach programs and spending time with her husband and children. |
Joe Erdman - Dent Lending Office
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NMLS #619497
Cell: (513) 608-8962
Phone: (513) 598-2281
Fax: 513-574-4370
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Joe is an experienced mortgage consultant and has worked in the banking industry since 1996. He is an expert in helping clients be comfortable with the home buying process and his motivation is to be his clients' mortgage consultant for life. Having owned his own business for 19 years, he brings a unique perspective to mortgage lending.
He is an expert in various loan programs including FHA, VA, and Rural Housing as well as conventional, construction, second mortgage and investment property loans. Because he delivers excellent customer service to homebuyers and real estate professionals, his clients are comfortable referring friends and family to him for assistance with their loans. He helps his clients choose the right mortgage option based on the present situation, future plans and preferred loan product.
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Frank Gorrasi - Dent Lending Office
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NMLS #1787052
Cell: (513) 276-7989
Phone: (513) 598-2286
Fax: 513-574-4370
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Frank has worked in banking and finance for nearly a decade. Born in Cincinnati he attended Elder High School and furthered his education at the University of Cincinnati where he graduated in 2008. He resides in Western Hills with his wife and two children. Frank specializes in finding the most compatible loan program based on each customer’s unique homeownership needs. He can assist you in navigating Cincinnati Federal’s extensive mortgage lending products, including: government loans (VA, FHA, rural housing), conventional loans, 3% Down Payment Options, Down Payment Assistance Grants, Jumbo loans, New Construction/Renovation loans, and Physician loans. Please contact Frank with any of your questions regarding home finance and he will assist you in achieving your goals. |
Barb Hale - Milford Lending Office
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NMLS #56423
Cell: (513) 520-6044
Phone: (513) 598-2289
Fax: 513-574-4370
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For over 23 years, Barb has dedicated 100% of her energy towards serving her clients. This focused approach provides her the time to elevate her mortgage education and experience which guarantees a fully professional level of service. Her goal is to build strong , lifelong relationships one person at a time. |
Tim Jenkins - Dent Lending Office
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NMLS #267759
Cell: (513) 543-3929
Phone: (513) 347-2420
Fax: 513-574-4370
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Tim has been helping thousands of homebuyers' dreams become reality in the mortgage and real estate business since 1987.
He is a professional that has complete knowledge of Conventional, FHA, VA and Rural Development Loans. His philosophy is to treat people as he would like to be treated and he takes great pride in becoming your mortgage consultant for life.
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Julia Kelley - Dent Lending Office
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NMLS #2467793
Cell: (502) 640-9659
Phone: (513) 715-2309
Fax: 513-574-4370
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Julia has worked in mortgage banking since 2007. She’s spent several years in management on the operations side of the industry, which has equipped her with additional knowledge and insight of the mortgage loan process, giving her a unique understanding of what it takes to get your loan approved quickly. She offers experience in Conventional, FHA, VA, and USDA loan types, along with various state and local down payment assistance programs. Julia is passionate about creating meaningful, authentic relationships with those she meets, and strives to provide a positive and memorable customer service experience as your trusted loan advisor.
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Kevin McBride - Miami Heights Branch
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NMLS #273662
Cell: (513) 652-5150
Phone: (513) 347-2432
Fax: 513-574-4370
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Kevin has been originating mortgages since 1997. He has a vast knowledge of all aspects of Residential Mortgage Lending. Kevin was born and raised in Cincinnati and graduated from U.C.'s Business College and has been in the mortgage business ever since. He prides himself on continually improving his process for his customers. From 1st time buyers to savvy investors, Kevin can assist you in determining the best possible mortgage solution available. Contact Kevin to discuss your financing needs. |
Paul Osterhage - Dent Lending Office
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NMLS #804939
Cell: (513) 508-2016
Phone: (513) 598-2291
Fax: 513-574-4370
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Paul is an experienced mortgage consultant and has worked in the banking industry since 1997. As a seasoned mortgage consultant, he is dedicated to meeting the needs of his clients and helps them navigate through numerous mortgage products to find the one that best fits their needs. Having worked as a real estate professional, he brings a unique prospective to the mortgage process and has extensive knowledge in a variety of loan products including conventional, U.S. Federal Housing Administration (FHA), U.S. Department of Agriculture (USDA), U.S. Department of Veterans Affairs (VA) and down payment assistance programs.
He has long-established relationships with local industry professionals and works to ensure that all involved parties remain well-informed through each step of a mortgage loan transaction.
He loves his job because of the satisfaction it brings in knowing that he has helped his clients with the largest financial decision they will make in their lifetime. The mortgage business is everchanging and he is always working to educate himself to better assist his clients. Helping individuals achieve the American dream of home ownership is the most rewarding experience possible.
He is a Hamilton County native and a graduate of Cincinnati State Technical and Community College. In his free time he enjoys spending time with family and friends, coaching basketball and golfing.
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Greg Richards - Milford Lending Office
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NMLS #754102
Cell: (513) 505-8180
Phone: (513) 598-2288
Fax: 513-574-4370
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Greg is an experienced mortgage consultant and has worked in the banking industry since 2004. He has extensive knowledge of the financial industry and is an expert in various loan programs including FHA, VA and Rural Housing as well as conventional, construction, second mortgage and investment property loans. He takes pride in providing excellent customer service to both home buyers and real estate professionals. This personalized attention has earned Greg repeat customers who frequently refer him to their family, friends and local realtors. A graduate of the University of Cincinnati, Greg and his wife live in Anderson Township. They have been married since 1991 and are the parents of two children. |
Michael Veeneman - Milford Lending Office
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NMLS #754104
Cell: (513) 673-7760
Phone: (513) 347-2433
Fax: 513-574-4370
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For over 30 years, Mike Veeneman has been an expert in residential lending with a demonstrated history of strong customer service. As a native Cincinnatian, and a graduate of McNicholas High School and The University of Cincinnati he understands what community means and what it takes to be a successful mortgage lender. He has 25 plus years’ experience in Mortgage Sales Management , and built successful and profitable Mortgage Origination teams throughout his career. |
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