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Borrower situations · Ohio

Loan officers for borrowers who qualify on assets in Ohio

As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in Ohio whose lender pages show Asset-based qualifying work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Matthew S. Devadan, MBA (Atlantic Coast Mortgage, Westerville) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 5

  1. 1

    Eric RosemaryNMLS 301253

    CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states

    • Asset-based qualifying
    • Bank statement loan
    • DSCR loan
    • Foreign national
    • OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Licensed since 2012 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Matthew S. Devadan, MBANMLS 21639

    Atlantic Coast Mortgage · Westerville, OH · licensed in 8 states

    • Asset-based qualifying
    • Real estate investor
    • Self-employed
    • 1099 income
    • OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Office in Westerville, OH
    • Licensed since 2023 (per Florida records)
    • States 25 years of experience (lender page, 2026-10-09)
  3. 3

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • Asset-based qualifying
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • States 17 years of experience (lender page, 2026-10-09)
  4. 4

    William CommonsNMLS 79745

    Assurance Financial · Baton Rouge, LA · licensed in 36 states

    • Asset-based qualifying
    • Bank statement loan
    • DSCR loan
    • OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Colorado records)
  5. 5

    Michelle KrusmarkNMLS 2717683

    Xpert Home Lending · Mortgage broker · licensed in 3 states

    • Asset-based qualifying
    • Down payment assistance
    • FHA loan
    • HELOC
    • OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Colorado records)

Before you choose

Which accounts count, at what percentage, and over what term differs across lenders and programs.

  • Which accounts count toward asset qualifying, and at what percentage?
  • How do you calculate monthly income from my assets?
  • Is this an agency or a non-QM program?

More about Asset-based qualifying

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a OH license is confirmed with the state regulator (check mark), OH is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=asset-based&state=OH. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.