Ronnie Barnes

Mortgage Loan Originator

Morristown & Sevierville

• NMLS #779819
• 865.425.3379
• rbarnes@ornlfcu.com

Ronnie has been working as a mortgage lender since May of 2015. He previously worked in branch management for eight years and has worked in the industry since he graduated college in 2002. Ronnie received his M.Ed. in Human Resource Development from Tusculum College in 2010 and his BBA in Finance and Human Resource Management from East Tennessee State University in 2002. Ronnie also became a Certified Credit Union Executive (CCUE) in 2002 and a Certified Financial Counselor (CFC) in 2015. He is an active member of the Knoxville Mortgage Bankers Association.

• I love auto racing and fast cars! When I’m not at work, you’ll more than likely find me at an area race track.
• I love to travel.
• I enjoy going to the lake and fishing.
• Pineapple does NOT belong on pizza!

Karen Coffey

Mortgage Loan Originator

Clinton & LaFollette

• NMLS #167262
• 865.425.3380
• kcoffey@ornlfcu.com

Karen is an NMLS licensed mortgage loan originator and has been with ORNL FCU since 2015.  She began her career in the mortgage industry in 2001 in Morristown. She enjoys getting to know our members and welcoming new members into our credit union family. She is proud to be able to offer cutting edge loan products and services. Tailoring loans to member’s personal needs is very important, and she is happy that she’s part of a cooperative that focuses on always doing what is right for the member.

• Daily enjoyment for me is family time, especially being a part of my two grandchildren's lives.
• I also am very content spending time horseback riding and boating.
• I love the outdoors!
• Pineapple does NOT belong on pizza!

Monica Cumbie

Mortgage Loan Originator

Millertown, East Knoxville & South Knoxville

• NMLS #480653
• 865.560.7447
• mcumbie@ornlfcu.com

• I live on 8.5 acres in Grainger County and I love to watch the wildlife in my yard to relax.
• I am from Pensacola, FL and love the beach!
• I have been inside the Roman Colosseum.
• I enjoy spending time hiking with my husband and children on my days off.

Kyria England

Mortgage Loan Originator

Oak Ridge, Oak Ridge Walmart & ORNL (Lab)

• NMLS #477011
• 865.425.2699
• kengland@ornlfcu.com

Kyria joined ORNL FCU’s mortgage lending department in 1998. She spent her first seven years as a Mortgage Processor and has been a Mortgage Loan Originator working in the Oak Ridge Branch for 10 years.

• I used to have a cat named Blue that was solid white and completely deaf.
• I would choose a chocolate dessert over steak for dinner, if given the choice.
• I enjoy volunteering each year at the Fantasy of Trees to benefit East Tennessee Children’s Hospital.
• Pineapple does NOT belong on pizza!

Renata Farley

Mortgage Loan Originator

Farragut

• NMLS #477009
• 865.220.6854
• rfarley@ornlfcu.com

Renata started with the credit union in 1998 and has worked in the mortgage industry ever since. She has actually been in the banking industry her entire life, starting when she was just 15 years old! She has worked as a File Clerk, Teller, Consumer Loan Officer, and Member Services Supervisor — all at various credit unions across the United States and abroad. Renata has a Bachelor of Science degree in Business Administration from California State University at Sacramento and has received numerous production awards from the Knoxville Mortgage Brokers Association – Bronze, Silver, and Gold.

• I am a native Californian. I’m now a Tennessee transplant married to a former Air Force pilot who is a Tennessean and UT alumni.
• We lived in England for three years before coming to Knoxville in 1998.
• I am definitely all VOL, as my children now attend UTK!
• I love Golden Retrievers! I have owned 5 of them total, but currently have two, Duke & Ellie.
• Pineapple DOES belong on pizza! Though, meat lovers is my #1 choice.

Collin Howard

Mortgage Loan Originator

Lenoir City & Loudon

• NMLS #2036374
• 865.813.2398
• choward@ornlfcu.com

• I enjoy writing country music
• I’m a wedding DJ
• I’ve got 2 dogs
• Pineapples DO belong on pizza!

Rena Jackson

Mortgage Loan Originator

Alcoa & Maryville

• NMLS #1909710
• 865.635.7053
• rjackson@ornlfcu.com

• I am a softball mom and enjoy watching my daughter play the game.
• I have two dogs (a Miniature Schnauzer and a Pyrador).
• I like to travel, experience new things, and learn about others.

Crysta Johnson

Mortgage Loan Originator

Northshore & West Knoxville

• NMLS #695850
• 865.560.7472
• cjohnson@ornlfcu.com

Crysta has worked in credit unions for over 18 years in just about every capacity. She has been a teller, head teller, financial service officer, HELOC specialist, and is now a mortgage loan originator. Crysta enjoys helping members achieve financial goals, whether it is obtaining a dream vehicle or consolidating debts to improve overall financial wellbeing—now, Crysta looks forward to helping members do the same with their home!

• I have a culinary degree and love to cook.
• I love to travel. If there were no financial restrictions, I would always be gone.
• Pineapple belongs on pizza, if that’s what you like!

Karolim Kirby

Mortgage Loan Originator

Bearden & Middlebrook Pike Food City

• NMLS #1333907
• 865.560.7479
• kkirby@ornlfcu.com

• I am originally from Honduras, but grew up right here in East TN.
• My mother is my hero.
• I enjoy spending time with family and friends.
• Yes, pineapple DOES belong on pizza!

Tracy Liverman

Construction Lending Manager

• NMLS #2260706
• 865.661.1596
• tliverma@ornlfcu.com

Tracy began her banking career in 1987 as a teller. She achieved a Bachelor of Science in Business Management from Tusculum College in 1991 while working full time. After graduation she moved into a management role with Bank of America. In 2005 Tracy made the transition to ORNL FCU as a commercial lender and is currently the Construction Lending Manager. Tracy is an Associate Board Member of the Maryville Alcoa Home Builders Association. She has been involved with the Knoxville Chamber Membership Committee, is an Ambassador for the Oak Ridge Chamber, and is a member of the Operations Committee for the United Way of Greater Knoxville.

• I am a member of Cedar Springs Presbyterian Church and have been a Stephen Minister since 2016.
• I love to work on family history and am a member of the Samuel Frazier Chapter of Daughters of the American Revolution.
• I designed my home to accommodate a large scrapbook room to hold my supplies and have friends over to crop.

Roy Ogle

Mortgage Loan Originator

Halls, Fountain City & Maynardville Food City

• NMLS #477007
• 865.813.2412
• rogle@ornlfcu.com

Roy has been in the mortgage lending business for over 15 years in different capacities. He previously worked as a mortgage broker and was involved in wholesale operations at JP Morgan Chase.  He has been a mortgage loan originator at ORNL FCU since 2008. Roy has a Bachelor of Arts from the University of Tennessee, Knoxville in Economics and has worked with both Hamblen and Sevier Counties’ Chamber of Commerce.

• I love spending time with my family.
• I love UT football. GO VOLS!
  

Erin Powers

Mortgage Loan Originator

Karns & Kingston

• NMLS #2022615
• 865.560.7482
• epowers@ornlfcu.com

• Our family loves art and music. My oldest son plays guitar, my youngest son plays the drums and keyboard, and I sing along (even though I can't carry a tune!). My favorite band is The Beatles.
• I enjoy solving puzzles and almost always have a Rubik's cube in my purse or on my desk.
• I believe that it is important to give back to our community. I enjoy volunteer work and supporting local small businesses.

Heather Rankin

Mortgage Loan Originator

North Knoxville

• NMLS #477010
• 865.220.6870
• hrankin@ornlfcu.com

Heather has been providing mortgage loans for 20 years. She attended the University of Tennessee, Knoxville and served on the Board of the Knoxville Mortgage Bankers Association for three years. Mortgage lending is never a dull moment for Heather, as she loves a good challenge! 

• I have been married for 22 years!
• I have 2 teenage sons, Blake and Cole, as well as 2 boy dogs, Cowboy and Scooby — so I am outnumbered!
• My house loves football and fishing. Blake, 17, is a senior who plays football and Cole, 15, fishes on the high school team — which my husband co-captains!
• I attend Grace Baptist Church and love it!
• I’m probably the only person that doesn’t like pizza, or pineapples. So I would say pineapple does NOT belong on pizza!