---
canonical_url: https://lendb.ai/s/bank-statement/north-carolina
last_verified: 2026-10-09
---

# Bank statement loan officers in North Carolina

As of 2026-10-09, LenDb lists 13 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 Jason Fox (NFM Lending, Frederick). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Joe Soto](https://lendb.ai/lo/joe-soto-175142)** (NMLS 175142), CrossCountry Mortgage, Cypress, CA
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 20 years of experience (lender page, 2026-10-09)
2. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
   - States 20 years of experience (lender page, 2026-10-09)
3. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
4. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 23 years of experience (lender page, 2026-10-09)
5. **[Hunter Strayhorn](https://lendb.ai/lo/hunter-strayhorn-1778160)** (NMLS 1778160), CrossCountry Mortgage, Johnson City, TN
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2011 (per Florida records)
7. **[Steve Anderson](https://lendb.ai/lo/steve-anderson-1096829)** (NMLS 1096829), Lit Financial Corporation
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
8. **[Alex Heath](https://lendb.ai/lo/alex-heath-290072)** (NMLS 290072), Xpert Home Lending
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2009 (per Colorado records)
9. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
10. **[Lekh Sharma](https://lendb.ai/lo/lekh-sharma-2503420)** (NMLS 2503420), Guild Mortgage, High Point, NC
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - Office in High Point, NC
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
11. **[Charles Davis](https://lendb.ai/lo/charles-davis-1740379)** (NMLS 1740379), Empire Home Loans
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
12. **[Suresh Sapkota](https://lendb.ai/lo/suresh-sapkota-2091996)** (NMLS 2091996), Xpert Home Lending
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/bank-statement/north-carolina.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._