{
  "canonical_url": "https://lendb.ai/lender/residential-wholesale-mortgage-inc-79445",
  "summary": "Residential Wholesale Mortgage, Inc. (company NMLS 79445) is an independent mortgage lender. LenDb lists 153 of its loan officers, with branches in 12 states, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 79445,
    "slug": "residential-wholesale-mortgage-inc-79445",
    "canonical_url": "https://lendb.ai/lender/residential-wholesale-mortgage-inc-79445",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/79445",
    "name": {
      "value": "Residential Wholesale Mortgage, Inc.",
      "source": "state_regulator",
      "source_url": "https://rwmloans.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://rwmloans.com",
      "source": "state_regulator",
      "source_url": "https://rwmloans.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": "https://rwmloans.com/find-your-lo/",
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://rwmloans.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0.003,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 2228,
          "by_loan_type": {
            "conventional": 1463,
            "fha": 488,
            "va": 254,
            "usda": 23
          },
          "purchase": 1888,
          "refinance": 328,
          "other_purpose": 12,
          "jumbo": 58,
          "investor": 157,
          "volume_usd": 830700000
        },
        {
          "year": 2024,
          "loans": 1167,
          "by_loan_type": {
            "conventional": 778,
            "fha": 254,
            "va": 117,
            "usda": 18
          },
          "purchase": 984,
          "refinance": 173,
          "other_purpose": 10,
          "jumbo": 36,
          "investor": 121,
          "volume_usd": 496675000
        }
      ],
      "top_states": [
        {
          "state": "CA",
          "loans": 677
        },
        {
          "state": "TX",
          "loans": 490
        },
        {
          "state": "AZ",
          "loans": 130
        },
        {
          "state": "WA",
          "loans": 106
        },
        {
          "state": "GA",
          "loans": 102
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 155,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 1497651,
      "slug": "austin-ruffner-1497651",
      "full_name": "Austin Ruffner",
      "title": "Loan Officer",
      "branch_city": "Fountain Hills",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/austin-ruffner-1497651"
    },
    {
      "nmls_id": 670738,
      "slug": "javier-vargas-670738",
      "full_name": "Javier Vargas",
      "title": "Loan Officer",
      "branch_city": "San Luis",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/javier-vargas-670738"
    },
    {
      "nmls_id": 877991,
      "slug": "john-adkins-877991",
      "full_name": "John Adkins",
      "title": "Branch Manager",
      "branch_city": "Lake Havasu",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/john-adkins-877991"
    },
    {
      "nmls_id": 1700441,
      "slug": "lisa-fox-1700441",
      "full_name": "Lisa Fox",
      "title": "Loan Officer",
      "branch_city": "Fountain Hills",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/lisa-fox-1700441"
    },
    {
      "nmls_id": 1997578,
      "slug": "philip-gerisilo-1997578",
      "full_name": "Phil Gerisilo",
      "title": "Loan Officer",
      "branch_city": "Scottsdale",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/philip-gerisilo-1997578"
    },
    {
      "nmls_id": 512952,
      "slug": "theresa-crowell-512952",
      "full_name": "Theresa Crowell",
      "title": "Mortgage Loan Officer",
      "branch_city": "Lake Havasu",
      "branch_state": "AZ",
      "canonical_url": "https://lendb.ai/lo/theresa-crowell-512952"
    },
    {
      "nmls_id": 1949779,
      "slug": "adam-baker-1949779",
      "full_name": "Adam Baker",
      "title": "Loan Officer",
      "branch_city": null,
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/adam-baker-1949779"
    },
    {
      "nmls_id": 1381481,
      "slug": "alana-baldwin-1381481",
      "full_name": "Alana Baldwin",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/alana-baldwin-1381481"
    },
    {
      "nmls_id": 2219455,
      "slug": "allyson-gesiakowski-2219455",
      "full_name": "Ally Gesiakowski",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/allyson-gesiakowski-2219455"
    },
    {
      "nmls_id": 2009252,
      "slug": "ana-boaz-gorham-2009252",
      "full_name": "Ana Boaz Gorham",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/ana-boaz-gorham-2009252"
    },
    {
      "nmls_id": 1998997,
      "slug": "andrew-clement-1998997",
      "full_name": "Andrew Clement",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/andrew-clement-1998997"
    },
    {
      "nmls_id": 377162,
      "slug": "andrew-hulko-377162",
      "full_name": "Andrew Hulko",
      "title": "Branch Manager",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/andrew-hulko-377162"
    },
    {
      "nmls_id": 690945,
      "slug": "angela-martinez-690945",
      "full_name": "Angela Martinez",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/angela-martinez-690945"
    },
    {
      "nmls_id": 294051,
      "slug": "angela-montesano-294051",
      "full_name": "Angela Montesano",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/angela-montesano-294051"
    },
    {
      "nmls_id": 310675,
      "slug": "avi-sondhi-310675",
      "full_name": "Avi Sondhi",
      "title": "Branch Manager",
      "branch_city": "Fairfield",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/avi-sondhi-310675"
    },
    {
      "nmls_id": 2382947,
      "slug": "betty-bryant-2382947",
      "full_name": "Betty Bryant",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/betty-bryant-2382947"
    },
    {
      "nmls_id": 1427108,
      "slug": "blake-jones-1427108",
      "full_name": "Blake Jones",
      "title": "Loan Officer",
      "branch_city": "Canyon Lake",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/blake-jones-1427108"
    },
    {
      "nmls_id": 89442,
      "slug": "brad-livingston-89442",
      "full_name": "Brad Livingston",
      "title": "President/Owner",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/brad-livingston-89442"
    },
    {
      "nmls_id": 247029,
      "slug": "brian-sarkis-247029",
      "full_name": "Brian Sarkis",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/brian-sarkis-247029"
    },
    {
      "nmls_id": 278080,
      "slug": "charman-stevens-mcgraw-278080",
      "full_name": "Charman Stevens McGraw",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/charman-stevens-mcgraw-278080"
    },
    {
      "nmls_id": 172794,
      "slug": "cheryl-meinzer-172794",
      "full_name": "Cheryl Meinzer",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/cheryl-meinzer-172794"
    },
    {
      "nmls_id": 156749,
      "slug": "christopher-burke-156749",
      "full_name": "Chris Burke",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/christopher-burke-156749"
    },
    {
      "nmls_id": 238994,
      "slug": "chris-wiggins-238994",
      "full_name": "Chris Wiggins",
      "title": "Branch Manager/Loan Officer",
      "branch_city": "Temecula",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/chris-wiggins-238994"
    },
    {
      "nmls_id": 2475506,
      "slug": "christian-vazquez-2475506",
      "full_name": "Christian Vazquez",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/christian-vazquez-2475506"
    },
    {
      "nmls_id": 701279,
      "slug": "daniel-windell-701279",
      "full_name": "Dan Windell",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/daniel-windell-701279"
    },
    {
      "nmls_id": 250468,
      "slug": "danny-coronado-250468",
      "full_name": "Danny Coronado",
      "title": "Branch Manager/Loan Officer",
      "branch_city": "Riverside",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/danny-coronado-250468"
    },
    {
      "nmls_id": 567885,
      "slug": "debbie-martinez-567885",
      "full_name": "Debbie Martinez",
      "title": "Loan Officer",
      "branch_city": "Canyon Lake",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/debbie-martinez-567885"
    },
    {
      "nmls_id": 1748088,
      "slug": "dustin-ngo-1748088",
      "full_name": "Dustin Ngo",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/dustin-ngo-1748088"
    },
    {
      "nmls_id": 256116,
      "slug": "emily-hudson-256116",
      "full_name": "Emily Hudson",
      "title": "Loan Officer",
      "branch_city": "Riverside",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/emily-hudson-256116"
    },
    {
      "nmls_id": 1673676,
      "slug": "erica-lo-1673676",
      "full_name": "Erica Lo",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/erica-lo-1673676"
    },
    {
      "nmls_id": 1897562,
      "slug": "evelyn-barajas-1897562",
      "full_name": "Evelyn Barajas",
      "title": "Loan Officer",
      "branch_city": "Fresno",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/evelyn-barajas-1897562"
    },
    {
      "nmls_id": 459766,
      "slug": "frank-callahan-459766",
      "full_name": "Frank Callahan",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/frank-callahan-459766"
    },
    {
      "nmls_id": 1105928,
      "slug": "greg-pettersen-1105928",
      "full_name": "Greg Pettersen",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/greg-pettersen-1105928"
    },
    {
      "nmls_id": 497087,
      "slug": "hermelina-talamantez-497087",
      "full_name": "Hermie Talamantez",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/hermelina-talamantez-497087"
    },
    {
      "nmls_id": 1513441,
      "slug": "ivan-yanez-1513441",
      "full_name": "Ivan Yanez",
      "title": "Branch Manager",
      "branch_city": "Porterville",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/ivan-yanez-1513441"
    },
    {
      "nmls_id": 1010941,
      "slug": "jeff-chacon-1010941",
      "full_name": "Jeff Chacon",
      "title": "Loan Officer",
      "branch_city": "Fresno",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jeff-chacon-1010941"
    },
    {
      "nmls_id": 2508681,
      "slug": "jesse-martinez-2508681",
      "full_name": "Jesse Martinez",
      "title": "Loan Officer",
      "branch_city": "Canyon Lake",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/jesse-martinez-2508681"
    },
    {
      "nmls_id": 372271,
      "slug": "john-little-372271",
      "full_name": "John Little",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/john-little-372271"
    },
    {
      "nmls_id": 276442,
      "slug": "john-martin-276442",
      "full_name": "John Martin",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/john-martin-276442"
    },
    {
      "nmls_id": 2037931,
      "slug": "juan-sanchez-2037931",
      "full_name": "Juan Sanchez",
      "title": "Loan Officer",
      "branch_city": "Fresno",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/juan-sanchez-2037931"
    },
    {
      "nmls_id": 1508649,
      "slug": "kasey-roberts-1508649",
      "full_name": "Kasey Roberts",
      "title": "Loan Officer",
      "branch_city": "Canyon Lake",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/kasey-roberts-1508649"
    },
    {
      "nmls_id": 2011790,
      "slug": "kelson-penn-2011790",
      "full_name": "Kelson Penn",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/kelson-penn-2011790"
    },
    {
      "nmls_id": 218630,
      "slug": "ken-mccoy-218630",
      "full_name": "Ken McCoy",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/ken-mccoy-218630"
    },
    {
      "nmls_id": 2612254,
      "slug": "ken-warkentin-2612254",
      "full_name": "Ken Warkentin",
      "title": "Loan Officer",
      "branch_city": "Fresno",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/ken-warkentin-2612254"
    },
    {
      "nmls_id": 1036089,
      "slug": "kristen-livingston-1036089",
      "full_name": "Kristen Livingston",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/kristen-livingston-1036089"
    },
    {
      "nmls_id": 2119014,
      "slug": "lauren-fotsch-2119014",
      "full_name": "Lauren Fotsch",
      "title": "EVP of Corporate Strategy/Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/lauren-fotsch-2119014"
    },
    {
      "nmls_id": 334022,
      "slug": "laurie-smith-334022",
      "full_name": "Laurie Smith",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/laurie-smith-334022"
    },
    {
      "nmls_id": 1735537,
      "slug": "lizette-guerrero-1735537",
      "full_name": "Lizette Guerrero",
      "title": "Loan Officer",
      "branch_city": "Chula Vista",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/lizette-guerrero-1735537"
    },
    {
      "nmls_id": 282315,
      "slug": "louis-stathakis-282315",
      "full_name": "Louis Stathakis",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/louis-stathakis-282315"
    },
    {
      "nmls_id": 202469,
      "slug": "manuel-vizcarra-202469",
      "full_name": "Manuel Vizcarra",
      "title": "Loan Officer",
      "branch_city": "Chula Vista",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/manuel-vizcarra-202469"
    },
    {
      "nmls_id": 310364,
      "slug": "j-brumfield-310364",
      "full_name": "Matt Brumfield",
      "title": "Branch Manager/Loan Officer",
      "branch_city": "Ramona",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/j-brumfield-310364"
    },
    {
      "nmls_id": 1385411,
      "slug": "melissa-figueroa-1385411",
      "full_name": "Melissa Figueroa",
      "title": "Loan Officer",
      "branch_city": "Riverside",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/melissa-figueroa-1385411"
    },
    {
      "nmls_id": 242014,
      "slug": "michelle-russell-242014",
      "full_name": "Michelle Russell",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/michelle-russell-242014"
    },
    {
      "nmls_id": 2620601,
      "slug": "nick-cardenas-2620601",
      "full_name": "Nick Cardenas",
      "title": "Loan Officer",
      "branch_city": "Porterville",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/nick-cardenas-2620601"
    },
    {
      "nmls_id": 266729,
      "slug": "olivia-figuered-266729",
      "full_name": "Olivia Figuered",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/olivia-figuered-266729"
    },
    {
      "nmls_id": 130866,
      "slug": "randolph-kramb-130866",
      "full_name": "Randolph Kramb",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/randolph-kramb-130866"
    },
    {
      "nmls_id": 278781,
      "slug": "richard-geary-278781",
      "full_name": "Rick Geary",
      "title": "Loan Officer",
      "branch_city": "Aliso Viejo",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/richard-geary-278781"
    },
    {
      "nmls_id": 284411,
      "slug": "roger-tso-284411",
      "full_name": "Roger Tso",
      "title": "Loan Officer",
      "branch_city": "San Diego",
      "branch_state": "CA",
      "canonical_url": "https://lendb.ai/lo/roger-tso-284411"
    },
    {
      "nmls_id": 336926,
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