Karissa Espinosa
Mortgage Loan Officer | NMLS 1455273
Karissa grew up watching her father in the mortgage industry and as she went into her final semester of college, made the decision that upon graduation, she would give her go at being a loan officer. Hesitant to pursue the career, she began...... Show More
Location & Business Hours
Friday
9:00 AM to 5:30 PM
Saturday
24h
(Open Now)
Sunday
24h
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Reviews from Web
Karissa was great with her communication and timeliness as well as guiding me through the process and making sure everything was clear to me. She took her time and in the end I am very satisfied with her service.
Reply from Karissa Espinosa
June 8th, 2023 07:25 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
Karissa was amazing to work with. She always responded back let me know what I needed to do. She helped me when other's didn't seem to want to. She got me approved with no money down. If I ever buy again I will definitely work with Karissa...
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Reply from Karissa Espinosa
June 20th, 2023 12:01 PM
Thank you so much Chris! It was great to work with you and I am here to help however I can!
Karissa responded to all my questions in a timely manner. Being a first time Home Owner I was very nervous about making this transition but Karissa explained everything to me either via emails or text. I am very happy I used SYB for my first...
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Reply from Karissa Espinosa
June 20th, 2023 12:02 PM
Thank you so much Candice! You were such a pleasure to work with, I am so happy we got you in as stress free as possible!
The communication plus I was sick for a week and she still made it work. Shes Amazing. Thank you.
Reply from Karissa Espinosa
March 13th, 2026 12:15 PM
I appreciate your kind words, Brian. I'm glad I could assist and ensure everything went smoothly despite the challenges. Thank you for choosing to work with me at Stock Yards Bank & Trust!
Yes , I had to have Major Backsurgery and yet
we still were able to Close on time.
Karissa Espinosa what a Gem,kind ,understanding
rrally calmed my nerve
she wasn't there however she set everything up.
Reply from Karissa Espinosa
February 14th, 2026 07:45 PM
I'm truly pleased to know that everything went smoothly for you, even during such a challenging time, Sheri. It's essential for me to ensure the closing process is seamless, regardless of circumstances. Your kind words about my efforts to support...
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Responsive , friendly, professional and respectful. Karissa made a potentially stressful experience easy and as clear and uncomplicated as possible . Thank you!
Reply from Karissa Espinosa
October 20th, 2025 01:03 PM
I'm pleased to know that you found the experience straightforward and stress-free, Craig. Making the process clear and manageable for you is always my goal. Thank you for your feedback and for working with me at Stock Yards Bank & Trust.
Grateful to work with Karissa. She goes above and beyond to support the team and clients, which makes all the difference in a transaction.
Everything was done quickly and efficiently. The communications were done in ways that worked best for me with my own busy schedule.
Reply from Karissa Espinosa
October 1st, 2025 07:34 PM
It's great to know that the process was quick and efficient for you, Todd. Recognizing and accommodating your preferred communication style is important to me, especially with busy schedules. Thank you for choosing to work with me at Stock...
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Karissa is literally amazing she made the process very easy and she is incredible to work with!!
Reply from Karissa Espinosa
August 15th, 2025 01:44 PM
It's so heartening to hear that you found the process easy and enjoyable while working with me, Paige. It was truly a pleasure assisting you, and I appreciate your kind words. Thank you for choosing to work with me at Stock Yards Bank & Trust!...
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Karissa was extremely helpful during the process. She is very knowledgeable and was patient wi my numerous questions and changes.
Reply from Karissa Espinosa
August 15th, 2025 12:49 PM
I'm so glad to hear that you felt supported during the process, Patricia. It's important to me to provide clear and patient guidance, especially when there are many questions and changes involved. Thank you for trusting me with your needs and...
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About
Karissa grew up watching her father in the mortgage industry and as she went into her final semester of college, made the decision that upon graduation, she would give her go at being a loan officer. Hesitant to pursue the career, she began in July of 2016 and has loved every second of it. She quickly found that this was a passion of hers, to help people finance their first home, their dream home, or their forever home. Karissa is here to help all of your mortgage needs.
Specialities
Mortgage Lending
FHA Mortgages
Portfolio Mortgages
Conventional Mortgages
USDA / RHS Mortgages
Right at Home 100% Financing Mortgages
Indiana Housing Down Payment Assistance Mortgages
Kentucky Housing Down Payment Assistance Mortgages
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Search Rank ScoreLearn More →
214
/850
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Memberships
- Mortgage Bankers of Louisville
- 1si - One Southern Indiana Chamber of Commerce
- Habitat for Humanity Women's Build Committee Clark and Floyd
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Addresses and Serving Areas
Year Started
2016
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS #1455273
Achievements
- Top 10 LO's with Stock Yards Bank 3 years in a row.
Hobbies
- Photography
- OneWheels
- Outdoors / Nature
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Disclaimer
2024 Stock Yards Bank & Trust. All rights reserved. Routing Number: #083000564. Member FDIC, Equal Housing Lender