Loan programs · North Carolina
Bank statement loan officers in North Carolina
As of 2026-10-09, LenDb lists 18 loan officers licensed in or based in North Carolina whose lender pages show Bank statement loan work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Josh Penland (Fairway Independent Mortgage Corporation, Round Rock). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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 17
- 1
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Bank statement loan
- 1099 income
- Self-employed
- NC 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)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Eric RosemaryNMLS 301253
CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states
- Bank statement loan
- Asset-based qualifying
- DSCR loan
- Foreign national
- NC 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)
- Licensed since 2012 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 3
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
- NC 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)
- Licensed since 2025 (per Florida records)
- States 23 years of experience (lender page, 2026-10-09)
- 4
Hunter StrayhornNMLS 1778160
CrossCountry Mortgage · Johnson City, TN · licensed in 3 states
- Bank statement loan
- DSCR loan
- FHA loan
- Manufactured home
- NC 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)
- 5
Steve FurdockNMLS 376017
Lit Financial Corporation · licensed in 12 states
- Bank statement loan
- DSCR loan
- Jumbo loan
- Non-QM loan
- NC 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)
- Licensed since 2011 (per Florida records)
- 6
Ken ByrneNMLS 187129
ALCOVA Mortgage · Chantilly, VA · licensed in 7 states
- Bank statement loan
- DSCR loan
- FHA loan
- First-time buyer
- NC 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)
- Licensed since 2025 (per Florida records)
- States 34 years of experience (lender page, 2026-10-09)
- 7
Tom CullenNMLS 459668
Princeton Mortgage · licensed in 5 states
- Bank statement loan
- Construction loan
- Renovation loan (203k / HomeStyle)
- DSCR loan
- NC 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)
- Licensed since 2021 (per Florida records)
- 8
Charles DavisNMLS 1740379
Empire Home Loans · Mortgage broker · licensed in 5 states
- Bank statement loan
- DSCR loan
- Reverse mortgage
- Real estate investor
- NC 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)
- Licensed since 2022 (per Florida records)
- 9
Steve AndersonNMLS 1096829
Lit Financial Corporation · licensed in 12 states
- Bank statement loan
- DSCR loan
- HELOC
- NC 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)
- Licensed since 2015 (per Florida records)
- 10
John KladisNMLS 2324532
Loan Factory · Mortgage broker · licensed in 5 states
- Bank statement loan
- 1099 income
- Construction loan
- DSCR loan
- NC 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)
- Licensed since 2022 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 11
Alex HeathNMLS 290072
Xpert Home Lending · Mortgage broker · licensed in 3 states
- Bank statement loan
- First-time buyer
- Real estate investor
- Reverse mortgage
- NC 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)
- Licensed since 2009 (per Colorado records)
- 12
Jim BrettlNMLS 455400
Xpert Home Lending · Mortgage broker · licensed in 13 states
- Bank statement loan
- DSCR loan
- HELOC
- NC 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)
- 13
Lekh SharmaNMLS 2503420
Guild Mortgage · High Point, NC · licensed in 4 states
- Bank statement loan
- First-time buyer
- Asset-based qualifying
- Construction loan
- NC 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 High Point, NC
- 14
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Bank statement loan
- DSCR loan
- FHA loan
- First-time buyer
- NC 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)
- Licensed since 2018 (per Florida records)
- 15
Trisha CooperNMLS 1965251
ALCOVA Mortgage · Chantilly, VA · licensed in 3 states
- Bank statement loan
- First-time buyer
- Real estate investor
- Self-employed
- NC 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)
- Licensed since 2021 (per Florida records)
- States 8 years of experience (lender page, 2026-10-09)
- 16
William CommonsNMLS 79745
Assurance Financial · Baton Rouge, LA · licensed in 36 states
- Bank statement loan
- Asset-based qualifying
- DSCR loan
- NC 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)
- Licensed since 2019 (per Colorado records)
- 17
Suresh SapkotaNMLS 2091996
Xpert Home Lending · Mortgage broker · licensed in 6 states
- Bank statement loan
- FHA loan
- ITIN borrower
- Jumbo loan
- NC 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)
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 NC license is confirmed with the state regulator (check mark), NC 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=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.