Licensing
Licensed in Indiana and Kentucky
Nations Lending Corporation (NMLS #32416) is licensed to originate mortgages in Indiana and Kentucky, and I hold my individual loan originator license there as well (Rick Ripma, NMLS #664589). A mortgage is licensed by the state the property sits in — so if your home is in any of these 2 states, I can do your loan.
There's no automatic "reciprocity" between states. Each state issues its own license, and I've gone through that process in all 2. For you, that means continuity — if a move, second home, or investment property crosses one of these state lines, you keep the advisor who already knows your income, goals, and timing.
What I can help with in each state
Program availability, underwriting rules, and closing details vary by state and lender, so I always review the options for your specific property.
Indiana
Licensed · INI'm licensed to originate mortgages on Indiana properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Kentucky
Licensed · KYI'm licensed to originate mortgages on Kentucky properties — purchases, refinances, second homes, and investment properties. The whole process runs online, and I review the programs that fit your specific property.
Verify my license yourself
Every mortgage company and loan originator in the country has a public record on NMLS Consumer Access. Look up Nations Lending Corporation (NMLS #32416) or Rick Ripma, NMLS #664589. It takes about a minute.
Want the local picture? See where I'm based and where I lend.
Buying or refinancing in IN, KY?
The first step is the same everywhere: a straightforward conversation about your goals and your numbers. No cost, no pressure.
Rick Ripma, NMLS #664589 · Nations Lending Corporation, NMLS #32416. Licensed in Indiana and Kentucky. This page is educational and not a commitment to lend; program details change — ask for current figures. Equal Housing Opportunity.