With over 10 years in the mortgage industry, Kaili is passionate about helping clients navigate one of the most important financial decisions of their lives.
Mortgage lending is more than just a career for Kaili; it’s a family business and a way to make a meaningful impact in the community she calls home. Her approach to client communication is simple: early, often, and thorough. Kaili believes that buying or refinancing a home should feel exciting—not overwhelming—so she prioritizes clear guidance and quick responses to ensure her clients feel confident every step of the way.
Kaili works with a wide range of clients, including first-time homebuyers, move-up buyers, downsizing homeowners, and real estate investors. Past clients consistently praise her team’s excellent communication, friendly approach, and ability to make the mortgage process feel smooth and comfortable.
What truly sets Kaili apart is her belief that every mortgage is personal. She treats each client like a member of her own family, providing the same level of care, attention, and service she would want for her loved ones. For Kaili, there’s nothing more rewarding than helping people achieve homeownership and watching families build generational wealth through real estate—something she believes is at the heart of the American Dream.
Outside of work, Kaili enjoys staying social and enjoying life in her community. She loves running, attending live sporting events, and relaxing with a spicy margarita on a patio. She is also deeply involved locally, serving as a Board Member for the Dearborn County Chamber of Commerce and as a Big Sister with Big Brothers Big Sisters of Greater Cincinnati.
If you’re looking for a mortgage partner who values community, clear communication, personal service, and putting clients first, Kaili and her team are ready to help guide you every step of the way.
Licensed in:
IN, OH and KY
Specialties:
First-Time Homebuyers
Down Payment Assistance
USDA Loans
VA Loans
FHA Loans
Manufactured Home Financing
Conventional Loans
New Construction Loans
Lending Specialties
First-Time Homebuyers
Down Payment Assistance
USDA Loans
VA Loans
FHA Loans
Manufactured Home Financing
Conventional Loans
New Construction Loans
Kaili McCool's Awards and Recognition
Kraig Jefferson Rising Star Award (2020–2025)
Preferred Rate President’s Club (2025)
American Pacific Mortgage President’s Club (2023, 2025)
We were so happy with the way it all went, Kaili was a pleasure to work with again, always helpful..
Darrell A
Knowledgeable, thoughtful, experienced and very professional
Douglas V
This home buying business is definitely stressful. It was our first time and we weren’t sure what to expect,. Yet, Kali & her team provided us with all the information we needed. It was a bit of a process and well worth it in the end. Our forever home is beautiful and we are very satisfied! Thank you!
Maria F
Kaili was amazing to work with! She was very responsive and able to answer any question I may have had. Her and her team worked very hard to get us to closing quickly even when a curve ball was thrown in the last week and we could not be anymore grateful for it! I will definitely be recommending her to my friends/family.
Renay M
Kaili and her team went above and beyond to help us every step of the process in buying our new home
Pam M
Kaili and her entire team at Preferred Rate- Greendale is amazing. The entire office makes you feel so welcome from the initial meeting to the closing table. They made the process so easy on me by answering all my questions quickly and in detail. I’ll be recommending this office forever!
Lauren G
We worked with Kaili for purchasing our first ever home and it truly was the best decision we could've made!! She is so so knowledgeable, patient, kind, thorough, and most importantly always there for us! She answered all of our questions (and there were a lot) in detail throughout it all, always kept us in the loop between steps, explained what each step was and why it was needed, and she, plus her team, made sure no stone was left unturned. We closed yesterday and if we ever purchase another home in the future we will definitely use her again! I can't say enough great things about her and how great she made this process!
Alishah E
An absolutely wonderful group of people to work with!
Taya H
KAILI was so friendly. And her team & kaili worked quickly and professionally to seal the deal on our 1st home. We call it "our Lil slice of heaven" Thank You so much Kaili & Team
Sharon T
My wife and I appreciate the speediness of the whole thing. The help with the process was very helpful. I would definitely recommend friends that are looking to buy, to use you guys. You guys were all such a blessing. My wife and I thank you very much for.
Randolph D
Overall the process went pretty smoothly. I would recommend getting a mortgage from Kaili Mccool and prefered rate
colin a
Our experience with Kaili was nothing short of Amazing from the start. She was very knowledgeable and took the time to explains everything step and answer all the questions we had. We were able to communicate promptly and efficiently over text, email and phone when necessary. We appreciate all of her hard work and help and recommend her 100%.
Leanna R
If you are buying a home, Kaili McCool is the person to talk to at Preferred Rate. She will do a rate job for you.
Mike H
Kaili and her team made the closing process so simple. She placed us with the best available option and found ways to benefit both parties when it comes to purchasing from family! She is an expert in her field, and I would recommend anyone I know to her and her team!
Olivia F
Kailyn made our loan process so smooth! So thankful for her business and help during the stressful home buying process.
Jada W
Smooth process, always able to answer every question I had through the whole thing
VinnyD2010Mustang G
Kaili was great!
Casey s
Kaili made the process easy! She was responsive, explained the process and pertinent information thoroughly, and answered all questions I had!
Haley L
Kaili was super helpful and answered all the questions I had. She made me feel comfortable and confident with every step of the process ❤️
Helen R
Kaili was phenomenal to work with! She was very helpful, personable, friendly, and timely in her responses. I had quite a few questions and she always got back to me so fast. She knows the business very well and I would definitely recommend her to anyone looking to purchase a home. We closed on our home in three weeks and are so happy with how smooth the process went.
Emilie R
Kaili was extremely professional, quick, and so easy to work with throughout our entire home buying experience. Couldn’t recommend her enough!
Tailor B
Easy to work with and made our lives easier.
Tyler B
Amazing service. Quick and easy. Would recommend to everyone.
Trevor M
As a realtor, I’ve had the privilege of working with many professionals, and Kaili stands out as one of the best loan officers I’ve ever partnered with. She has helped countless clients of mine navigate the often-complex mortgage process with ease and confidence.Kaili is not only incredibly knowledgeable about loan programs, interest rates, and the intricacies of lending, but she also takes the time to ensure every client feels informed and empowered. Her communication skills are top-notch, and she’s always just a phone call or email away when questions arise.Time and time again, my clients rave about Kaili’s professionalism, attention to detail, and ability to find the best solutions tailored to their individual needs. She’s not just about closing loans—she’s about building trust and helping people achieve their dreams of homeownership.If you’re looking for a loan officer who is reliable, personable, and truly exceptional at what she does, I cannot recommend Kaili enough. She’s a true asset to any real estate transaction!Thank you, Kaili, for making the home-buying process seamless for so many of my clients. I look forward to many more successful collaborations in the future!
Austin K
Kaili is a hard working and dedicated mortgage broker who will give her 110% to get your deal done and your loan funded. She and her team at preferred rate are too notch. I highly recommend working with Kaili.
Jaideep B
Kaili is, without a doubt, one of my favorite lenders to work with. As a Realtor, I consistently refer my clients to her because I trust she'll do everything possible to help them achieve their homeownership goals. She goes above and beyond to ensure smooth transactions, and her commitment to her clients is truly unmatched. If you’re in search of a lender, stop right here—you’ve found the pot of gold at the end of the rainbow! Give Kaili a call. You won’t regret it.
Caitlynn B
We love working with Kaili!! She gives outstanding customer service and is very knowledgeable. I would highly recommend using Kaili for all of your mortgage needs!
Laura N
Kaili and her team was very quick and very patient. This is my second time working with Kaili she's the absolute best
Steve B
Kaili and her team were great to work with. We weren't sure whether we wanted to add on to our previous home or wanted to purchase a new home. Kaili provided loan information for both scenarios and answered all of the questions we had, which helped make our decision. I would highly recommend Kaili and her team for your next home purchase or update!
Nicole B
Kaili was awesome through the loan process! Super responsive and she and her team are very knowledgeable. Absolutely would use Kaili again for another loan.
Thomas E
Kaili and her whole team were nothing short of amazing. All were so patient and kind throughout our whole process. Kaili kept us updated and her communication is what helped us remain calm in the chaos of purchasing a home. So thankful we decided to go with Preferred Rate, but even more thankful we got to work with Kaili!
Justice C
Kaili and her team were wonderful to work with. They made the home buying process simple. They respond quickly and are always happy to answer any questions.
Hannah H
Kaili and her team did a great job. They answered all our questions and made getting a loan quick and easy. They were great to work with.
Russell S
Kaili and her team were great! They helped answer all my questions and figured out the best way to get us the house payment we wanted along with a quick closing process.
Sara J
I have worked with Kaili for several years now. Her clients have nothing but great things to say about her, her team and the seamless closing process. I refer to and work with Kaili because I know she does great work, is very thorough and available and an expert in the mortgage industry.
Olivia F
Kaili and Maria did an excellent job and never failed to communicate. Because of this everything was successful and as stress free as it gets.
Ryan M
Absolutely amazing! First time home buyer and this team made it so easy and made sure I had all the information I needed! They took their time explaining things as well as having patience for all my questions!
Landen B
The staff was extremely information and made the entire process a breeze!
Andrew S
Awesome seamless experience
Austin K
Awesome Job! Highly recommend. Responsive and accommodating to our needs. Kailyn did an outstanding job making the home buying process easy.
Aaron N
It was a great experience working with Kaili on the purchase of my home! She is very knowledgable, responsive and available and willing to answer questions any time. Highly recommend working with Kaili!
Abby S
Kaili took great care to make sure my experience was a great one. All of my text, email, and phone calls were answered directly.I would recommend Kaili 100 percent.
Alfred G
Excellent, always ready and available to answer any questions and patient with as many questions that we had. Guided us with best option for us
Tara V
Kaili was so wonderful to work with. Any questions I had she answered quickly and explained things very clearly.
Teresa W
Very professional, and very quick to get things done in the order they need to be. Can’t thank Kaili McCool enough!
Cameron C
Very professional and honest service. Would definitely recommend to family and friends.
Kristy M
Kaili and her team were great to work with. I felt informed throughout the entire process. I also felt comfortable asking questions, knowing Kaili would not only answer her phone but take the time to make sure I understood what was going on.
Kristin M
We had a wonderful experience with Kaili. She was very prompt and communicative. Every question I had was addressed and the entire process of purchasing our home was very easy. I would work with Kaili again on any new purchases we are considering.
Susan L
We had a wonderful experience with Kaili and the team. Every question I had was addressed and the entire process of purchasing our home was very easy. I would work with this team again on any new purchases we are considering. Our realtor even made a comment on how great this experience was!
Susan L
Kaili was wonderful to work with. She was flexible with me, even when I couldn’t decide whether to buy or build. She was also very informative throughout the buying process.
Samantha M
Kaili worked incredibly fast and was so helpful along the way. Any question you could’ve asked she had answered in minutes. Highly recommend!
Jake B
Wonderful experience with Kaily. Very knowledgeable at her job. Will find a way to get you what you need!
Ashby L
Very professional. Wonderful experience.
Brady L
Kaili and her team could not have been more helpful throughout our home buying process! From our first meeting, she was always professional, helpful with all our questions, and super responsive when we needed something. She made the closing process a breeze and made us feel comfortable and on top of it throughout the whole process. We highly recommend Kaili McCool from Preferred Rate!
Beth J
Kaili did the mortgage for clients of mine who purchased a home in Florence, KY. She was very professional, knowledgeable, and always available when questions came up. Kaili help deliver a very smooth, on time closing for my clients. Thank you Kaili.
Kenny S
Kaili was amazing from the moment I called her! She was always there to answer any of my questions and help me better understand everything! I will absolutely recommend her to anyone and I am thankful that she was able to help me!
Ciara W
Kaili was amazing from the moment I called her! She was always there to answer any of my questions and help me better understand everything! I will absolutely recommend her to anyone and I am thankful that she was able to help me!
Ciara W
Kaili and her team were so responsive and helpful throughout this process. Thank you for all of the hard work you put in.
Tyler R
Everything was super easy
Christopher G
Kaili and her team made our first time buying a home a smooth and seamless experience! I highly recommend Preferred Rate. They will take good care of you and your home buying needs. They are professional, attentive, and thorough among so many other things. Thank you!
Catherine T
Grateful for Kaili's knowledge and expertise. She is very professional and answered our questions every step of the way.
Summer W
Kaili and her team were absolutely phenomenal! This is my second time using them and this review just doesn't do them justice. Kaili and her team make the process so easy and seamless and they even come to closing which is so supportive and amazing! Go to them for all your loan needs they are PHENOMENAL!
Patricia S
First time buyer. Kaili and her team made the process simple and stress-free. Answered all of my questions and made me feel comfortable with my options. Stop looking and give her a call
Zachary W
I would so work with Kaili again. She helped make buying our home a very smooth experience. I would recommend anyone interested in buying a home, to cal Kaili. Thank you again
carol e
Kailyn and her team were awesome to work with and made everything super easy! I would definitely work with them again!
Kandice C
Kaili was very knowledgeable and helpful making the process easy for a first time home buyer!
Nick R
Kaili was very knowledgeable and helpful making the process easy for a first time home buyer!
Nick R
Kaili is so easy to work with! I had tons of questions she answered them all and made sure I fully understood them and was always happy to help! She’s so nice and did everything she could to help us get what we needed for the home of our dreams! We loved working with her and you will to!!!!
Alissa B
Kaili is great to work with. She stays on top of everything and is great at communicating with everyone involved in the transaction. Highly recommend.
Kristin M
Kaili has been great through the entire process of home buying! She talked me through since the very beginning!
Kelsey S
Kaili has been great through the entire process of home buying! She talked me through since the very beginning!
Kelsey S
If your interested in getting a home loan I highly recommend kaili McCool from referred rate. She was really helpful and excellent with helping me get my loan and keeping the loan process moving forward quickly
Branden V
Kaili at Preferred Rate is the absolute BEST! She is so knowledgeable and made the home buying experience easy and seamless. We are so happy that she helped us purchase our new home!
Anne S
Kaili is the most patient, and most helpful person ever!! We were first time home buyers and had lots of questions, and she overall was just an amazing person to help us along with our journey. I definitely recommend her, and this company! She also has fantastic taste in music, that’s always important!
Lainie A
Kaili was very sweet and fast to responding to any questions we had. Made the process very easy.
Lindy E
Kaili was wonderful to work with! We could ask her any questions we had, and she would answer them promptly and kindly. Our entire experience with her was smooth, and I would 100% work with her again!
Danielle K
Major thanks to Kailyn and the team at Preferred Rate for making our new home buying experience so smooth. Always available and quick to answer questions. Highly recommend! This was our second time using Kaili and will definitely plan to use her for any refinances or mortgage needs in the future.
rachel s
Kaili was incredible! She made the home buying process quick and painless. She responded to all of my questions quickly and nicely. 10/10 will go back to her for my next purchase!
Mace M
Great to work with!Process was smooth and Kaili’s team worked hard to get our closing done just before our wedding!
Alexander M
Contact less pre-approval and very knowledgeable.
Ashley H
The ease of the entire situation. Very ooth and contactless!
Matthew W
Great communication throughout the entire process. Answered all our questions quickly and didn’t make us feel uninformed. Also saved me money on the mortgage.
Patrick B
Preferred Rate mortgage company was absolutely awesome! Kaili was very helpful all throughout the entire process and the other staff were equally amazing. Very pleasant to talk with.they explained everything at every step. I was not stressed out at any time.just amazing...and now I have the house of my dreams. Thank you ladies for putting up with me and a job well done.only regret is that I didn't get to meet all of you in person,to thank you in person. But,anyway,Thanks again.Blessed be,and have a wonderful safe life.
Angie Z
It was great working with Kailyn and her team.
Honda B
Kaili was a recommendation from our realtor. We were so new and clueless to the home buying process, and Kaili made the whole thing seamless. She even took the time to be there for our closing. Thank you for everything!
Brandon C
Definitely 5 stars. Kaili is very professional, she answered all of our questions quickly and kept us updated through the whole process. She is extremely knowledgeable and helpful. We hit a few curves on our end and she helped us work through them so we could get in our home on time. She helped make the process surprisingly easy. Thank you Kaili!
jake h
Great communication always about the process, fast and easy process.
Sheila M
"If you’re truly looking for someone who will not only work hard but also stand by you with unwavering support, this is the person you want on your team. Her dedication, reliability, and responding in a timely manner made this process very seamless "
Dale S
Kaitlyn mccool and her team was amazing helped us all the way to closing i would recommend her and her team to anyone that is buying thanks to her and her team
Linda J
Amazing experience
Trista S
Absolutely loved working with her!! Anytime I had a question or was not sure what something was she was quick to answer the phone or email me back on the answer of any of my questions!! I highly recommend her!! She made my first time buying a home so less stressful with how helpful she was with any an everything!!
Donna W
Kaili and her team are the best! They answered all my questions within reason and kept me updated throughout the whole process, with this being our first home purchase I didn't know what to expect but they made the process a breeze and not stressful at all. I could not recommend Kaili and her team enough. Thanks again!
Cailee M
⭐⭐⭐⭐⭐Kaili was truly awesome and an absolute pleasure to work with throughout my mortgage loan process. She was incredibly knowledgeable, always responsive, and made sure I understood every step along the way. What could have been stressful felt smooth and easy thanks to her guidance and attention to detail. Kaili genuinely cares about her clients, and it shows. I can’t recommend her highly enough and would 100% work with her again!
Johnny G
Great every step of the way. Made the experience very easy and non stressful.
Kyle A
Pretty awesome experience with you and made everything easier and understandable. I appreciate it!!!
Andrea S
We had to do all of this quick and they did great getting everything done fast. We wouldn’t have got it when we did if not.
Nicholas D
Kaili was wonderful to work with. She helped me with the loan process, and explained everything very throughly. She had a great attitude and made everything go very smoothly!
Garrett B
Kaili is amazing! She was VERY helpful during our home buying process and is very knowledgeable in her field. We would HIGHLY recommend her & her team to any friend or family member.
Katie F
Pretty awesome experience with you and made everything easier and understandable. I appreciate it!!!
Andrea S
It was great dealing with Kaili, made things super easy and the process seamless.
Christopher F
Kaili is amazing! She was VERY helpful during our home buying process and is very knowledgeable in her field. We would HIGHLY recommend her & her team to any friend or family member.
Katie F
Top notch service! Fast, friendly, patient and reliable. She went the extra mile for us, and so thankful for her!!
Beth C
Kaili was very helpful in making sure I understood the entire process which helped make me feel confident.
Luke V
Kaili was amazing! I will never buy without her help. ❤️🏡
Allison M
Kaili did an amazing job from start to finish. She was kind, direct, and was prompt to answer any questions me and my wife had, and there were a lot. I would recommend Kaili to anyone looking to buy a home!
Josh B
I had an amazing experience with Kaili I will definitely refer her to other people who are trying to purchase a home! She is the best
Cierra H
Loan Programs
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program
Featured
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Conventional Loans
Featured
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)
Featured
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Home Renovation
A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Supporting veterans and families with VA home loan options and resources.
VA Loans
Two workers in safety helmets working on a construction site, focusing on woodwork and project progress.
Construction Financing
Happy couple discussing FHA loan options at home.
FHA Loans
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders – Nurses – Teacher Loans
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
A couple stands outside a new house, symbolizing rural homeownership with USDA loans.
USDA Loans
Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)
Featured
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Modern house with landscaped yard and garden.
Expanded Income Loans
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.
We'll watch the market for you
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
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How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
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A contemporary living space with a gray sofa, decorative pillows, hanging pendant lights, and lush green plants, creating a comfortable and stylish en.
