Loan programs · Florida
Bank statement loan officers in Florida
As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Florida whose lender pages show Bank statement loan work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Kirk Taylor (CrossCountry Mortgage, Naples) and Wendy Seagle (CrossCountry Mortgage, Fort Walton Beach). Ranking is lender-neutral: specialty evidence first, then a license in FL, 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 25
- 1
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- Bank statement loan
- Asset-based qualifying
- DSCR loan
- Foreign national
- ✓Licensed in FL: confirmed with the Florida regulator (license LO12982), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Boca Raton, FL
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Bank statement loan
- 1099 income
- DSCR loan
- Self-employed
- ✓Licensed in FL: confirmed with the Florida regulator (license LO24057), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Naples, FL
- Licensed since 2014 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Wendy SeagleNMLS 194641
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 4 states
- Bank statement loan
- Construction loan
- DSCR loan
- Jumbo loan
- FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Fort Walton Beach, FL
- States 35 years of experience (lender page, 2026-10-09)
- 4
Shameika HuffNMLS 1722170
Embrace Home Loans · Tampa, FL
- Bank statement loan
- Down payment assistance
- FHA loan
- HELOC
- ✓Licensed in FL: confirmed with the Florida regulator (license LO80329), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Tampa, FL
- Licensed since 2021 (per Florida records)
- States 26 years of experience (lender page, 2026-10-09)
- 5
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- Bank statement loan
- DSCR loan
- FHA loan
- HELOC
- ✓Licensed in FL: confirmed with the Florida regulator (license LO143003), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 6
James DealNMLS 461209
Homeowners Financial Group · Atlanta, GA · licensed in 5 states
- Bank statement loan
- FHA loan
- Foreign national
- Jumbo loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO85625), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 7
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Bank statement loan
- DSCR loan
- Self-employed
- FHA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO56377), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Florida records)
- 8
Christopher GibsonNMLS 1910430
C2 Financial Corporation · Mortgage broker · licensed in 3 states
- Bank statement loan
- 1099 income
- DSCR loan
- Manufactured home
- ✓Licensed in FL: confirmed with the Florida regulator (license LO128360), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Colorado records)
- States 15 years of experience (lender page, 2026-10-09)
- 9
Brian SewellNMLS 212085
Guild Mortgage · Frankfort, IL · licensed in 6 states
- Bank statement loan
- First-time buyer
- Physician and medical professional
- Real estate investor
- ✓Licensed in FL: confirmed with the Florida regulator (license LO114012), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 10
Josh PenlandNMLS 216357
Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states
- Bank statement loan
- First-time buyer
- Jumbo loan
- Real estate investor
- ✓Licensed in FL: confirmed with the Florida regulator (license LO142805), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 11
Vickie NewmanNMLS 493951
Guild Mortgage · Greenwood Village, CO · licensed in 4 states
- Bank statement loan
- First-time buyer
- Jumbo loan
- Reverse mortgage
- ✓Licensed in FL: confirmed with the Florida regulator (license LO110461), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- States 30 years of experience (lender page, 2026-10-09)
- 12
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Bank statement loan
- Down payment assistance
- DSCR loan
- FHA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO120938), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 13
Paul HartNMLS 203610
CrossCountry Mortgage · Roswell, GA · licensed in 2 states
- Bank statement loan
- DSCR loan
- Jumbo loan
- Self-employed
- ✓Licensed in FL: confirmed with the Florida regulator (license LO127312), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 14
Rajat JetleyNMLS 1595897
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 9 states
- Bank statement loan
- Jumbo loan
- VA loan
- FHA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO131782), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 15
Christine ScottNMLS 930223
Fairway Independent Mortgage Corporation · Wesley Chapel, FL
- Bank statement loan
- DSCR loan
- FHA loan
- Non-QM loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO40502), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Wesley Chapel, FL
- Licensed since 2017 (per Florida records)
- States 14 years of experience (lender page, 2026-10-09)
- 16
Ronald AtamianNMLS 963318
CrossCountry Mortgage · Allentown, PA · licensed in 6 states
- Bank statement loan
- 1099 income
- Asset-based qualifying
- Down payment assistance
- ✓Licensed in FL: confirmed with the Florida regulator (license LO80935), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- States 15 years of experience (lender page, 2026-10-09)
- 17
Kayla ChaseNMLS 145990
Lit Financial Corporation · licensed in 11 states
- Bank statement loan
- Condo
- Jumbo loan
- HELOC
- ✓Licensed in FL: confirmed with the Florida regulator (license LO47635), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- 18
Lisa WheelerNMLS 250774
Embrace Home Loans · Tampa, FL · licensed in 5 states
- Bank statement loan
- 1099 income
- Down payment assistance
- FHA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO4176), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Tampa, FL
- Licensed since 2011 (per Florida records)
- 19
Steve FurdockNMLS 376017
Lit Financial Corporation · licensed in 12 states
- Bank statement loan
- DSCR loan
- Jumbo loan
- Non-QM loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO5175), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Florida records)
- 20
Jose Antonio ManriqueNMLS 1456209
Loan Factory · Mortgage broker · Florida
- Bank statement loan
- Foreign national
- ITIN borrower
- Non-QM loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO49767), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Florida
- Licensed since 2018 (per Florida records)
- States 10 years of experience (lender page, 2026-10-09)
- 21
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- Bank statement loan
- DSCR loan
- FHA loan
- First-time buyer
- ✓Licensed in FL: confirmed with the Florida regulator (license LO134450), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 22
Tom CullenNMLS 459668
Princeton Mortgage · licensed in 5 states
- Bank statement loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- DSCR loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO91146), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 23
Michael LaraNMLS 448479
Embrace Home Loans · Tampa, FL
- Bank statement loan
- First-time buyer
- Real estate investor
- Condo
- ✓Licensed in FL: confirmed with the Florida regulator (license LO22189), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Tampa, FL
- Licensed since 2013 (per Florida records)
- 24
Susan van de PollNMLS 831038
Xpert Home Lending · Mortgage broker · Colorado · licensed in 4 states
- Bank statement loan
- FHA loan
- Jumbo loan
- VA loan
- ✓Licensed in FL: confirmed with the Florida regulator (license LO121260), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2006 (per Colorado records)
- 25
Charles DavisNMLS 1740379
Empire Home Loans · Mortgage broker · licensed in 5 states
- Bank statement loan
- DSCR loan
- Reverse mortgage
- Real estate investor
- ✓Licensed in FL: confirmed with the Florida regulator (license LO102387), verified 2026-10-09
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
Before you choose
Expense factors and deposit analysis vary, so the same statements can qualify for very different amounts.
- Do you use personal or business statements, and what expense factor?
- How do you treat large or irregular deposits?
- How does pricing compare with a full documentation loan?
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 FL license is confirmed with the state regulator (check mark), FL 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=bank-statement&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.