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
Business Hours
Wed
9 AM to 4 PM
Thu
9 AM to 4 PM
Fri
9 AM to 5:30 PM
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Reviews from Web
Helpful, efficient, kind, thorough
Reply from Karissa Espinosa
August 10th, 2026 01:27 PM
Zoe, I appreciate your kind words about my service. I'm pleased to know you found the process helpful, efficient, and thorough. Thank you for choosing to work with me at Stock Yards Bank & Trust!
the communication of the process. It made this experience less stressful
Reply from Karissa Espinosa
July 8th, 2026 04:58 PM
I'm grateful to hear that the communication throughout the process made your experience less stressful, Michael. It's important to me that my clients feel informed and at ease. Thank you for choosing to work with me at Stock Yards Bank & Trust!...
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Karissa was very helpful from start to finish . She made sure everything happened on time .
Reply from Karissa Espinosa
July 3rd, 2026 02:49 PM
I'm happy to hear that you found my assistance helpful throughout the process, Steven. Ensuring that everything happens on time is always a key focus for me. Thank you for trusting me with your needs at Stock Yards Bank & Trust!
have a great day
Reply from Karissa Espinosa
June 29th, 2026 06:52 PM
I am glad to receive your response. How can I better improve myself to a 5-star rating experience?
Karissa was very fast and efficient from prequel all the way to closing.
Reply from Karissa Espinosa
May 29th, 2026 02:41 PM
I'm glad to hear that you found the process fast and efficient, Amy. Ensuring a smooth journey from prequalification to closing is my priority. Thank you for your kind words and for working with me at Stock Yards Bank & Trust!
Karissa was so incredibly helpful from start to finish. She was willing to answer any question I had, even after hours when she was available. She made a very intimidating thing seem very easy and straightforward. I truly couldn't have been...
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Karissa was extremely helpful in explaining the process from start to finish, and her willingness to answer questions both during and off business hours made it so much easier and less stressful for
Reply from Karissa Espinosa
May 20th, 2026 12:24 PM
Joseph, I'm glad to hear that my support made the process easier and less stressful for you. Being available to answer your questions, even outside of business hours, is something I value in providing good service. Thank you for your kind words...
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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.
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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.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Construction Loan
Adjustable Rate Mortgages
USDA Loans
Cash-Out Refinances
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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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
Primary Serving Area
Other 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