Lincoln Lending
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    President  |  NMLS #216281
    Kelly Pensoneau grew up in Norman. He has been working in the mortgage industry since 2009. Kelly enjoys helping people find the right loan program to fit their specific needs. He began specializing in HUD-184 Native American loans because of his Kickapoo heritage. Before working in the mortgage industry, Kelly was a case worker for the state of Oklahoma for 10 years, so helping people has always been a top priority. His desire to help others is also reflected in his personal life.  Kelly and his wife, Sara, have fostered kids for several years and adopted 3 kids in 2017. Kelly enjoys snowboarding, SCUBA diving, and all things Star Wars.

    Loan Officer  |  NMLS# 1434684
    Scott Michael is an Oklahoma native who attended the University of Oklahoma. After graduating in 2015, Scott began working for Lincoln Lending with the goal of assisting the Oklahoma community in buying their dream home. He enjoys educating the buyer and developing a great working relationship with his clients. In his free time, Scott enjoys music, watching sports, and spending time with his wife and two dogs.
  • Chris Miller

    Loan Officer | NMLS# 1483376
    Chris Miller consistently puts in the time and effort to find his clients the best loan program available for their needs. Chris has a wealth of experience in customer service and project planning that he uses to complete his clients’ objectives and get them into their dream home. Chris is a native of Tuttle, OK and spends his free time with his son, playing softball, cooking, and working out.
  • Sandy Elledge

    Loan Officer  |  NMLS# 424162
    Sandy Elledge has over 20 years of experience in the mortgage industry. That depth of experience has allowed Sandy to develop a wealth of knowledge about the home loan process. She enjoys working with clients to help them find a loan program suited to their needs in order to get in a home they will love. Outside of work, Sandy enjoys spending time with her family and grandchildren.
  • Sara Pensoneau

    Processor  |  NMLS# 1047835
    Sara Pensoneau hails from Wisconsin but has lived in Oklahoma since 2008. After marrying Kelly in 2011, she began her work as a processor in order to assist Kelly with his dream of growing the Lincoln Lending business. As a processor, Sara uses her precise attention to detail and organizational mind to make sure all the pieces fall into place for successful closings and homebuying experiences. Outside of work, Sara enjoys cooking, baking, family game nights, and outdoor activities with her children.
  • Bethany Branscum

    Processor  |  NMLS# 1469259
    Bethany Branscum grew up in the small town of Whitesboro, Oklahoma. She moved to Norman in 2008 to attend the University of Oklahoma, graduating in 2012. As a processor, she enjoys that she gets use her eye for details and knowledge of the industry to assist clients in what is likely the biggest and most exciting purchase of their lives! Her goal is to solve problems and manage situations behind the scenes so that clients can focus on enjoying their home-buying experience. Outside of work, Bethany enjoys reading and writing, playing softball, cheering on the Thunder and Sooners, game nights with friends, and spending time with her sisters.
  • Shelby Elliott

    Marketing Director  |  NMLS# 1661164
    Shelby Elliott is an Oklahoma native who spent the majority of his life living in small towns around our state.  He went to school in Choctaw where he spent his time on stage as a member of the Competitive Drama program and Musical Theater group. Before Shelby came on board with Lincoln Lending, he worked in the world of payroll and also served the metro area by working with community organizations in Oklahoma City. He is a customer service professional who goes above and beyond to meet the needs of those he is serving. He is an outgoing person who aims to seamlessly network and connect with anyone that he meets. Outside of work, Shelby loves spending time with his loved ones, attending musical theater performances, and making his brand of homemade beef jerky.