--- canonical_url: https://lendb.ai/lender/residential-wholesale-mortgage-inc-79445 last_verified: 2026-10-13 --- # Residential Wholesale Mortgage, Inc. Company NMLS ID 79445 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/79445)). FHA-approved lender (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot 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. ## Lending activity (HMDA) Funded 2,228 home loans in 2025 (HMDA), 1,463 conventional. - By loan type: 1,463 conventional, 488 FHA, 254 VA, 23 USDA. - By purpose: 1,888 purchase, 328 refinance, 12 other (home improvement and other closed-end loans). - 58 jumbo (above the conforming loan limit); 157 for investment properties. - Up 91% from 2024 (1,167 loans). - About $830.7 million in loan amounts (HMDA reports amounts in $10,000 bands). Source: [HMDA, FFIEC/CFPB, 2025](https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025). 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 officers - [Austin Ruffner](https://lendb.ai/lo/austin-ruffner-1497651) (NMLS 1497651), Loan Officer, Fountain Hills, AZ - [Javier Vargas](https://lendb.ai/lo/javier-vargas-670738) (NMLS 670738), Loan Officer, San Luis, AZ - [John Adkins](https://lendb.ai/lo/john-adkins-877991) (NMLS 877991), Branch Manager, Lake Havasu, AZ - [Lisa Fox](https://lendb.ai/lo/lisa-fox-1700441) (NMLS 1700441), Loan Officer, Fountain Hills, AZ - [Phil Gerisilo](https://lendb.ai/lo/philip-gerisilo-1997578) (NMLS 1997578), Loan Officer, Scottsdale, AZ - [Theresa Crowell](https://lendb.ai/lo/theresa-crowell-512952) (NMLS 512952), Mortgage Loan Officer, Lake Havasu, AZ - [Adam Baker](https://lendb.ai/lo/adam-baker-1949779) (NMLS 1949779), Loan Officer, CA - [Alana Baldwin](https://lendb.ai/lo/alana-baldwin-1381481) (NMLS 1381481), Loan Officer, San Diego, CA - [Ally Gesiakowski](https://lendb.ai/lo/allyson-gesiakowski-2219455) (NMLS 2219455), Loan Officer, San Diego, CA - [Ana Boaz Gorham](https://lendb.ai/lo/ana-boaz-gorham-2009252) (NMLS 2009252), Loan Officer, San Diego, CA - [Andrew Clement](https://lendb.ai/lo/andrew-clement-1998997) (NMLS 1998997), Loan Officer, San Diego, CA - [Andrew Hulko](https://lendb.ai/lo/andrew-hulko-377162) (NMLS 377162), Branch Manager, San Diego, CA - [Angela Martinez](https://lendb.ai/lo/angela-martinez-690945) (NMLS 690945), Loan Officer, San Diego, CA - [Angela Montesano](https://lendb.ai/lo/angela-montesano-294051) (NMLS 294051), Loan Officer, San Diego, CA - [Avi Sondhi](https://lendb.ai/lo/avi-sondhi-310675) (NMLS 310675), Branch Manager, Fairfield, CA - [Betty Bryant](https://lendb.ai/lo/betty-bryant-2382947) (NMLS 2382947), Loan Officer, San Diego, CA - [Blake Jones](https://lendb.ai/lo/blake-jones-1427108) (NMLS 1427108), Loan Officer, Canyon Lake, CA - [Brad Livingston](https://lendb.ai/lo/brad-livingston-89442) (NMLS 89442), President/Owner, San Diego, CA - [Brian Sarkis](https://lendb.ai/lo/brian-sarkis-247029) (NMLS 247029), Loan Officer, San Diego, CA - [Charman Stevens McGraw](https://lendb.ai/lo/charman-stevens-mcgraw-278080) (NMLS 278080), Loan Officer, San Diego, CA - [Cheryl Meinzer](https://lendb.ai/lo/cheryl-meinzer-172794) (NMLS 172794), Loan Officer, San Diego, CA - [Chris Burke](https://lendb.ai/lo/christopher-burke-156749) (NMLS 156749), Loan Officer, San Diego, CA - [Chris Wiggins](https://lendb.ai/lo/chris-wiggins-238994) (NMLS 238994), Branch Manager/Loan Officer, Temecula, CA - [Christian Vazquez](https://lendb.ai/lo/christian-vazquez-2475506) (NMLS 2475506), Loan Officer, San Diego, CA - [Dan Windell](https://lendb.ai/lo/daniel-windell-701279) (NMLS 701279), Loan Officer, San Diego, CA - [Danny Coronado](https://lendb.ai/lo/danny-coronado-250468) (NMLS 250468), Branch Manager/Loan Officer, Riverside, CA - [Debbie Martinez](https://lendb.ai/lo/debbie-martinez-567885) (NMLS 567885), Loan Officer, Canyon Lake, CA - [Dustin Ngo](https://lendb.ai/lo/dustin-ngo-1748088) (NMLS 1748088), Loan Officer, San Diego, CA - [Emily Hudson](https://lendb.ai/lo/emily-hudson-256116) (NMLS 256116), Loan Officer, Riverside, CA - [Erica Lo](https://lendb.ai/lo/erica-lo-1673676) (NMLS 1673676), Loan Officer, San Diego, CA - [Evelyn Barajas](https://lendb.ai/lo/evelyn-barajas-1897562) (NMLS 1897562), Loan Officer, Fresno, CA - [Frank Callahan](https://lendb.ai/lo/frank-callahan-459766) (NMLS 459766), Loan Officer, San Diego, CA - [Greg Pettersen](https://lendb.ai/lo/greg-pettersen-1105928) (NMLS 1105928), Loan Officer, San Diego, CA - [Hermie Talamantez](https://lendb.ai/lo/hermelina-talamantez-497087) (NMLS 497087), Loan Officer, San Diego, CA - [Ivan Yanez](https://lendb.ai/lo/ivan-yanez-1513441) (NMLS 1513441), Branch Manager, Porterville, CA - [Jeff Chacon](https://lendb.ai/lo/jeff-chacon-1010941) (NMLS 1010941), Loan Officer, Fresno, CA - [Jesse Martinez](https://lendb.ai/lo/jesse-martinez-2508681) (NMLS 2508681), Loan Officer, Canyon Lake, CA - [John Little](https://lendb.ai/lo/john-little-372271) (NMLS 372271), Loan Officer, San Diego, CA - [John Martin](https://lendb.ai/lo/john-martin-276442) (NMLS 276442), Loan Officer, San Diego, CA - [Juan Sanchez](https://lendb.ai/lo/juan-sanchez-2037931) (NMLS 2037931), Loan Officer, Fresno, CA - [Kasey Roberts](https://lendb.ai/lo/kasey-roberts-1508649) (NMLS 1508649), Loan Officer, Canyon Lake, CA - [Kelson Penn](https://lendb.ai/lo/kelson-penn-2011790) (NMLS 2011790), Loan Officer, San Diego, CA - [Ken McCoy](https://lendb.ai/lo/ken-mccoy-218630) (NMLS 218630), Loan Officer, San Diego, CA - [Ken Warkentin](https://lendb.ai/lo/ken-warkentin-2612254) (NMLS 2612254), Loan Officer, Fresno, CA - [Kristen Livingston](https://lendb.ai/lo/kristen-livingston-1036089) (NMLS 1036089), Loan Officer, San Diego, CA - [Lauren Fotsch](https://lendb.ai/lo/lauren-fotsch-2119014) (NMLS 2119014), EVP of Corporate Strategy/Loan Officer, San Diego, CA - [Laurie Smith](https://lendb.ai/lo/laurie-smith-334022) (NMLS 334022), Loan Officer, San Diego, CA - [Lizette Guerrero](https://lendb.ai/lo/lizette-guerrero-1735537) (NMLS 1735537), Loan Officer, Chula Vista, CA - [Louis Stathakis](https://lendb.ai/lo/louis-stathakis-282315) (NMLS 282315), Loan Officer, San Diego, CA - [Manuel Vizcarra](https://lendb.ai/lo/manuel-vizcarra-202469) (NMLS 202469), Loan Officer, Chula Vista, CA - [Matt Brumfield](https://lendb.ai/lo/j-brumfield-310364) (NMLS 310364), Branch Manager/Loan Officer, Ramona, CA - [Melissa Figueroa](https://lendb.ai/lo/melissa-figueroa-1385411) (NMLS 1385411), Loan Officer, Riverside, CA - [Michelle Russell](https://lendb.ai/lo/michelle-russell-242014) (NMLS 242014), Loan Officer, San Diego, CA - [Nick Cardenas](https://lendb.ai/lo/nick-cardenas-2620601) (NMLS 2620601), Loan Officer, Porterville, CA - [Olivia Figuered](https://lendb.ai/lo/olivia-figuered-266729) (NMLS 266729), Loan Officer, San Diego, CA - [Randolph Kramb](https://lendb.ai/lo/randolph-kramb-130866) (NMLS 130866), Loan Officer, San Diego, CA - [Rick Geary](https://lendb.ai/lo/richard-geary-278781) (NMLS 278781), Loan Officer, Aliso Viejo, CA - [Roger Tso](https://lendb.ai/lo/roger-tso-284411) (NMLS 284411), Loan Officer, San Diego, CA - [Ron Gomez](https://lendb.ai/lo/ron-gomez-336926) (NMLS 336926), Branch Manager/ Loan Officer, Riverside, CA - [Ryan Lischer](https://lendb.ai/lo/ryan-lischer-1398439) (NMLS 1398439), Loan Officer, San Diego, CA - [Sarah Citzler](https://lendb.ai/lo/sarah-citzler-2281941) (NMLS 2281941), Loan Officer, San Diego, CA - [Scott Morse](https://lendb.ai/lo/scott-morse-274153) (NMLS 274153), Loan Officer, San Diego, CA - [Scott Olson](https://lendb.ai/lo/scott-olson-358578) (NMLS 358578), Loan Officer, San Diego, CA - [Sean Kelly](https://lendb.ai/lo/sean-kelly-284380) (NMLS 284380), Loan Officer, San Diego, CA - [Shanne Sleder](https://lendb.ai/lo/shanne-sleder-239958) (NMLS 239958), Mortgage Advisor, CRMP, CLA, San Diego, CA - [Sheri Keene](https://lendb.ai/lo/sheri-keene-366792) (NMLS 366792), Loan Officer, Canyon Lake, CA - [Susanne Livingston](https://lendb.ai/lo/susanne-livingston-53051) (NMLS 53051), Co-Owner, San Diego, CA - [Timothy Haas](https://lendb.ai/lo/timothy-haas-242121) (NMLS 242121), Loan Officer, San Diego, CA - [Tonya Jones](https://lendb.ai/lo/tonya-jones-501806) (NMLS 501806), Loan Officer, San Diego, CA - [Victoria Nash](https://lendb.ai/lo/victoria-nash-1599768) (NMLS 1599768), Loan Officer, San Diego, CA - [Warren F. Rish](https://lendb.ai/lo/warren-f-rish-352038) (NMLS 352038), Senior Loan Officer, San Diego, CA - [Kay Fruci](https://lendb.ai/lo/kay-fruci-1064528) (NMLS 1064528), Branch Manager, Colorado Springs, CO - [Aaron Cooper](https://lendb.ai/lo/aaron-cooper-235108) (NMLS 235108), Loan Officer, Fayetteville, GA - [Alexandria Bailey](https://lendb.ai/lo/alexandria-bailey-2172197) (NMLS 2172197), Loan Officer, Fayetteville, GA - [Cedric Johnson](https://lendb.ai/lo/cedric-johnson-180717) (NMLS 180717), Sr. Loan Officer, Fayetteville, GA - [Deborah Turner](https://lendb.ai/lo/deborah-turner-2580370) (NMLS 2580370), Loan Officer, Fayetteville, GA - [Jimmy Hicks](https://lendb.ai/lo/jimmy-hicks-647127) (NMLS 647127), Loan Officer, Fayetteville, GA - [Keke Cole](https://lendb.ai/lo/keonna-cole-1182945) (NMLS 1182945), Loan Officer, Fayetteville, GA - [Kimberly Johnston](https://lendb.ai/lo/kimberly-johnston-222894) (NMLS 222894), Loan Officer, Fayetteville, GA - [Retunda Wilson](https://lendb.ai/lo/retunda-wilson-228860) (NMLS 228860), Branch Manager, Fayetteville, GA - [Shon Johnson](https://lendb.ai/lo/shon-johnson-2481470) (NMLS 2481470), Loan Officer, Fayetteville, GA - [Marc Arrington](https://lendb.ai/lo/marc-arrington-2114896) (NMLS 2114896), Branch Manager, Wilmington, NC - [Carl Millberg](https://lendb.ai/lo/carl-millberg-938750) (NMLS 938750), Branch Manager, Las Vegas, NV - [Jasmin Millberg](https://lendb.ai/lo/jasmin-millberg-1285542) (NMLS 1285542), Loan Officer, Las Vegas, NV - [Max Snyder](https://lendb.ai/lo/max-snyder-2217562) (NMLS 2217562), Branch Manager/Loan Officer, Cincinnati, OH - [Amanda Maxfield](https://lendb.ai/lo/amanda-maxfield-2884291) (NMLS 2884291), Loan Officer, Chattanooga, TN - [Josh McGinnis](https://lendb.ai/lo/josh-mcginnis-1632318) (NMLS 1632318), Branch Manager, Chattanooga, TN - [Tricia Ortiz](https://lendb.ai/lo/tricia-ortiz-677141) (NMLS 677141), Loan Officer, Murfreesboro, TN - [Ashlynn Kelso](https://lendb.ai/lo/ashlynn-kelso-1074888) (NMLS 1074888), Branch Manager, Georgetown, TX - [Bianca Arroyos](https://lendb.ai/lo/bianca-arroyos-1406082) (NMLS 1406082), Loan Officer, Odessa, TX - [Carlos Cruz](https://lendb.ai/lo/carlos-cruz-2779596) (NMLS 2779596), Loan Officer, Georgetown, TX - [Christy Christian](https://lendb.ai/lo/christy-christian-1687150) (NMLS 1687150), Loan Officer, Coppell, TX - [Dave Kelly](https://lendb.ai/lo/david-kelly-935332) (NMLS 935332), Loan Officer, Lakeway, TX - [Gwen Fay](https://lendb.ai/lo/deanna-fay-285025) (NMLS 285025), Branch Manager, Bryan, TX - [Hailey Tapp](https://lendb.ai/lo/hailey-tapp-2480909) (NMLS 2480909), Loan Officer, Lubbock, TX - [Heather Glenn](https://lendb.ai/lo/heather-glenn-338710) (NMLS 338710), Loan Officer, Lubbock, TX - [Jeff Woods](https://lendb.ai/lo/jeffrey-woods-269325) (NMLS 269325), Branch Manager, Weatherford, TX - [Joe Varisco II](https://lendb.ai/lo/joseph-varisco-1998610) (NMLS 1998610), Loan Officer, Houston, TX - [Kathy Gossett](https://lendb.ai/lo/kathryn-gossett-1494084) (NMLS 1494084), Loan Officer, Austin, TX - [Kent Hendrix](https://lendb.ai/lo/kent-hendrix-209311) (NMLS 209311), Producing Branch Manager, Flower Mound, TX - [Lori Anderson](https://lendb.ai/lo/lori-anderson-475468) (NMLS 475468), Reverse Mortgage Program Manager, Georgetown, TX - [Melissa Prieto](https://lendb.ai/lo/melissa-prieto-401081) (NMLS 401081), Loan Officer, Odessa, TX - [Mike Banes](https://lendb.ai/lo/michael-banes-233743) (NMLS 233743), Branch Manager, Coppell, TX - [Natalie Paredes](https://lendb.ai/lo/natalie-paredes-1414638) (NMLS 1414638), Loan Officer, Georgetown, TX - [Noreen Baca](https://lendb.ai/lo/noreen-baca-2479773) (NMLS 2479773), Loan Officer, Lubbock, TX - [Phebe Ellis-Roach](https://lendb.ai/lo/phebe-ellis-roach-335849) (NMLS 335849), Loan Officer, Lubbock, TX - [Randy Leonhardt](https://lendb.ai/lo/randy-leonhardt-316898) (NMLS 316898), Branch Manager, Houston, TX - [Shimene Willard](https://lendb.ai/lo/shimene-willard-220045) (NMLS 220045), Branch Manager, Odessa, TX - [Steve Ferguson](https://lendb.ai/lo/stephen-ferguson-196278) (NMLS 196278), Branch Manager, Austin, TX - [Yvonne Oden](https://lendb.ai/lo/yvonne-oden-2043610) (NMLS 2043610), Loan Officer, Wichita Falls, TX - [Jason Griffin](https://lendb.ai/lo/jason-griffin-293684) (NMLS 293684), Loan Officer, Cedar City, UT - [Luke Rowley](https://lendb.ai/lo/luke-rowley-761340) (NMLS 761340), Loan Officer, Cedar City, UT - [Matt Corry](https://lendb.ai/lo/matt-corry-1581164) (NMLS 1581164), Loan Officer, Cedar City, UT - [Shanell Taylor](https://lendb.ai/lo/shanell-taylor-1771982) (NMLS 1771982), Loan Officer, Cedar City, UT - [Jessica Collins](https://lendb.ai/lo/jessica-collins-440357) (NMLS 440357), Loan Officer, Lynchburg, VA - [Rhonda Holt](https://lendb.ai/lo/rhonda-holt-217259) (NMLS 217259), Branch Manager, Lynchburg, VA - [Shaunta Payne](https://lendb.ai/lo/shaunta-payne-1569041) (NMLS 1569041), Loan Officer, Lynchburg, VA - [Akash Bhathella](https://lendb.ai/lo/akash-bhathella-2599352) (NMLS 2599352), Loan Officer, Bellingham, WA - [Ian Mullen](https://lendb.ai/lo/ian-mullen-666737) (NMLS 666737), Branch Manager, Bellingham, WA - [Isaiah Assink](https://lendb.ai/lo/isaiah-assink-2339325) (NMLS 2339325), Loan Officer, Lynden, WA - [Kurt Kvamme](https://lendb.ai/lo/kurt-kvamme-1306442) (NMLS 1306442), Branch Sales Manager, Lynden, WA - [Kyle Smith](https://lendb.ai/lo/kyle-smith-2234536) (NMLS 2234536), Loan Officer, Bellingham, WA - [Luis Gonzalez](https://lendb.ai/lo/luis-gonzalez-2090153) (NMLS 2090153), Loan Officer, Bellingham, WA - [Amber Burke](https://lendb.ai/lo/amber-burke-893769) (NMLS 893769), Loan Officer - [Boyang Li](https://lendb.ai/lo/boyang-li-1220162) (NMLS 1220162), Loan Officer - [Brenna Romaine](https://lendb.ai/lo/brenna-romaine-1835196) (NMLS 1835196), Loan Officer - [Bryan Titus](https://lendb.ai/lo/bryan-titus-185845) (NMLS 185845), Loan Officer - [Crystal Phillips](https://lendb.ai/lo/crystal-phillips-260392) (NMLS 260392), Loan Officer - [Diana Martin](https://lendb.ai/lo/diana-martin-282016) (NMLS 282016) - [Don Hagan](https://lendb.ai/lo/don-hagan-207426) (NMLS 207426), Loan Officer - [Doug Smithe](https://lendb.ai/lo/douglas-smithe-218884) (NMLS 218884), Branch Manager - [Karen Parry](https://lendb.ai/lo/karen-parry-388918) (NMLS 388918), Loan Officer - [Kimberly England](https://lendb.ai/lo/kimberly-england-233892) (NMLS 233892) - [Kristi Black](https://lendb.ai/lo/kristine-black-225119) (NMLS 225119), Loan Officer - [Lance Bryce](https://lendb.ai/lo/lance-bryce-314819) (NMLS 314819), Loan Officer - [Lori Austin](https://lendb.ai/lo/lori-austin-621090) (NMLS 621090) - [Lorraine Christman](https://lendb.ai/lo/lorraine-christman-339074) (NMLS 339074) - [Louis Morera](https://lendb.ai/lo/louis-morera-1174384) (NMLS 1174384), Loan Officer - [Maura Romero](https://lendb.ai/lo/maura-romero-633243) (NMLS 633243), Loan Officer - [Melanie Totton](https://lendb.ai/lo/melanie-totton-1218517) (NMLS 1218517) - [Orlando Glory](https://lendb.ai/lo/orlando-glory-621762) (NMLS 621762), Loan Officer - [Patrick Richoux](https://lendb.ai/lo/patrick-richoux-974990) (NMLS 974990), Branch Manager - [Precious Ransom](https://lendb.ai/lo/precious-ransom-969325) (NMLS 969325) - [Robbie Roberts](https://lendb.ai/lo/robbie-roberts-482894) (NMLS 482894), Senior Loan Consultant - [Robert Kersting](https://lendb.ai/lo/robert-kersting-1501901) (NMLS 1501901), Loan Officer - [Sara Cruz](https://lendb.ai/lo/sara-cruz-251027) (NMLS 251027), Loan Officer - [Sean Flannery](https://lendb.ai/lo/sean-flannery-91629) (NMLS 91629), Loan Officer - [Sofia Mendoza](https://lendb.ai/lo/sofia-mendoza-1098708) (NMLS 1098708), Loan Officer - [Taya Finley](https://lendb.ai/lo/taya-finley-278072) (NMLS 278072), Branch Manager - [Terri Lee Guthrie](https://lendb.ai/lo/terri-lee-guthrie-2009688) (NMLS 2009688), Loan Officer - [Todd Stillwagon](https://lendb.ai/lo/todd-stillwagon-838297) (NMLS 838297), Branch Manager - [Tracey Day](https://lendb.ai/lo/tracey-mr-213012) (NMLS 213012), Loan Officer - [Walter Hanson](https://lendb.ai/lo/walter-hanson-1529907) (NMLS 1529907) Cite as: LenDb.ai, https://lendb.ai/lender/residential-wholesale-mortgage-inc-79445. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._