{
  "canonical_url": "https://lendb.ai/lender/vellum-mortgage-1657323",
  "summary": "Vellum Mortgage (company NMLS 1657323) is an independent mortgage lender. LenDb lists 18 of its loan officers, each with an individual NMLS ID, licensed states and sources. Programs listed on its site include Down payment assistance, FHA loan, First-time buyer, Jumbo loan and USDA loan.",
  "lender": {
    "nmls_id": 1657323,
    "slug": "vellum-mortgage-1657323",
    "canonical_url": "https://lendb.ai/lender/vellum-mortgage-1657323",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1657323",
    "name": {
      "value": "Vellum Mortgage",
      "source": "manual",
      "source_url": "https://vellummortgage.com",
      "verified_at": "2026-10-08"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://vellummortgage.com",
      "source": "manual",
      "source_url": "https://vellummortgage.com",
      "verified_at": "2026-10-08"
    },
    "lo_directory_url": "https://vellummortgage.com/find-a-lo/",
    "hq_state": null,
    "loan_programs": {
      "value": [
        "down-payment-assistance",
        "fha",
        "first-time-buyer",
        "jumbo",
        "usda",
        "va"
      ],
      "source": "manual",
      "source_url": "https://vellummortgage.com",
      "verified_at": "2026-10-08"
    },
    "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,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 1687,
          "by_loan_type": {
            "conventional": 1274,
            "fha": 257,
            "va": 153,
            "usda": 3
          },
          "purchase": 1396,
          "refinance": 283,
          "other_purpose": 8,
          "jumbo": 56,
          "investor": 123,
          "volume_usd": 892395000
        },
        {
          "year": 2024,
          "loans": 1494,
          "by_loan_type": {
            "conventional": 1090,
            "fha": 269,
            "va": 133,
            "usda": 2
          },
          "purchase": 1350,
          "refinance": 136,
          "other_purpose": 8,
          "jumbo": 31,
          "investor": 92,
          "volume_usd": 748020000
        }
      ],
      "top_states": [
        {
          "state": "MD",
          "loans": 538
        },
        {
          "state": "CA",
          "loans": 437
        },
        {
          "state": "VA",
          "loans": 393
        },
        {
          "state": "DC",
          "loans": 125
        },
        {
          "state": "TX",
          "loans": 87
        }
      ],
      "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": 18,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-08"
  },
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      "nmls_id": 1713519,
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      "full_name": "Andrei Paduraru",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/andrei-paduraru-1713519"
    },
    {
      "nmls_id": 2831014,
      "slug": "brandon-korn-2831014",
      "full_name": "Brandon Korn",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/brandon-korn-2831014"
    },
    {
      "nmls_id": 2831924,
      "slug": "david-khashabi-2831924",
      "full_name": "David Khashabi",
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      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/david-khashabi-2831924"
    },
    {
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      "slug": "grant-frye-2002924",
      "full_name": "Grant Frye",
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      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/grant-frye-2002924"
    },
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      "nmls_id": 1918022,
      "slug": "hannah-papazian-1918022",
      "full_name": "Hannah Papazian",
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      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/hannah-papazian-1918022"
    },
    {
      "nmls_id": 325464,
      "slug": "heejin-kim-325464",
      "full_name": "Heejin Kim",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/heejin-kim-325464"
    },
    {
      "nmls_id": 1334110,
      "slug": "heidi-ameli-1334110",
      "full_name": "Heidi Ameli",
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      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/heidi-ameli-1334110"
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      "slug": "jennifer-muldowny-2108359",
      "full_name": "Jennifer Muldowny",
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      "canonical_url": "https://lendb.ai/lo/jennifer-muldowny-2108359"
    },
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      "full_name": "Jonathan Birchler",
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      "canonical_url": "https://lendb.ai/lo/jonathan-birchler-2760963"
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      "full_name": "Joseph Whilden",
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      "full_name": "Kelsey Vincent",
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      "canonical_url": "https://lendb.ai/lo/kelsey-vincent-1982885"
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      "full_name": "Madeline Malinovsky",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/madeline-malinovsky-1774704"
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    {
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      "full_name": "Sarah Burgson",
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      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/sarah-burgson-1865237"
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    {
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      "full_name": "Shabnam Mujaddidi",
      "title": null,
      "branch_city": null,
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      "canonical_url": "https://lendb.ai/lo/shabnam-mujaddidi-2760965"
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    {
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      "full_name": "Shannon Leydig",
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      "canonical_url": "https://lendb.ai/lo/shannon-leydig-197958"
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    {
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      "slug": "victor-flynn-2002922",
      "full_name": "Victor Flynn",
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      "branch_city": null,
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      "canonical_url": "https://lendb.ai/lo/victor-flynn-2002922"
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    {
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      "full_name": "Wesley Denison",
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      "full_name": "Zakary Rhodes",
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}