--- canonical_url: https://lendb.ai/s/dscr/pennsylvania last_verified: 2026-10-09 --- # DSCR loan officers in Pennsylvania As of 2026-10-09, LenDb lists 23 loan officers licensed in or based in Pennsylvania whose lender pages show DSCR loan work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Johanna Arias (CrossCountry Mortgage, Allentown) and Raja Rajan (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 122164), verified 2026-10-09 - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Johanna Arias](https://lendb.ai/lo/johanna-arias-908021)** (NMLS 908021), CrossCountry Mortgage, Allentown, PA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Allentown, PA - Licensed in PA: confirmed with the Pennsylvania regulator (license 92761), verified 2026-10-09 - Licensed since 2023 (per Florida records) - States 10 years of experience (lender page, 2026-10-09) 3. **[Raja Rajan](https://lendb.ai/lo/raja-rajan-1910114)** (NMLS 1910114), Loan Factory, PA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Pennsylvania - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 4. **[Jeri Shoop](https://lendb.ai/lo/jeri-shoop-224331)** (NMLS 224331), Xpert Home Lending - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 123193), verified 2026-10-09 - Licensed since 2007 (per Colorado records) 5. **[Walter Gorman](https://lendb.ai/lo/walter-gorman-138370)** (NMLS 138370), CrossCountry Mortgage, Rutherford, NJ - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 30990), verified 2026-10-09 - Licensed since 2026 (per Florida records) 6. **[Jaison Koshy](https://lendb.ai/lo/jaison-koshy-1415046)** (NMLS 1415046), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 7. **[Jason Bennett](https://lendb.ai/lo/jason-bennett-147890)** (NMLS 147890), Loan Factory, PA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Pennsylvania - PA 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) 8. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 9. **[Ted Hicks](https://lendb.ai/lo/ted-hicks-1972998)** (NMLS 1972998), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 118953), verified 2026-10-09 - Licensed since 2022 (per Florida records) 10. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 11. **[Vivek Agarwal](https://lendb.ai/lo/vivek-agarwal-2564210)** (NMLS 2564210), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 114280), verified 2026-10-09 - Licensed since 2024 (per Florida records) 12. **[Saran Mandhadapu](https://lendb.ai/lo/saran-mandhadapu-2417126)** (NMLS 2417126), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 102910), verified 2026-10-09 - Licensed since 2022 (per Florida records) 13. **[Nic Bucca](https://lendb.ai/lo/nic-bucca-1086681)** (NMLS 1086681), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 11 years of experience (lender page, 2026-10-09) 14. **[Brendan J Slater](https://lendb.ai/lo/brendan-slater-1099810)** (NMLS 1099810), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 15. **[Steve Anderson](https://lendb.ai/lo/steve-anderson-1096829)** (NMLS 1096829), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 16. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[David K. Clark III](https://lendb.ai/lo/david-k-clark-iii-1375791)** (NMLS 1375791), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 18. **[Kevin Roller](https://lendb.ai/lo/kevin-roller-250375)** (NMLS 250375), LeaderOne Financial, Overland Park, KS - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 72301), verified 2026-10-09 - Licensed since 2019 (per Florida records) 19. **[Jordan Taylor](https://lendb.ai/lo/jordan-taylor-1862550)** (NMLS 1862550), Fairway Independent Mortgage Corporation, Fredericksburg, VA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 20. **[William Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 79949), verified 2026-10-09 - Licensed since 2019 (per Colorado records) 21. **[Maikel Hanna](https://lendb.ai/lo/maikel-hanna-2583311)** (NMLS 2583311), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 111237), verified 2026-10-09 22. **[Gregory Rutolo](https://lendb.ai/lo/gregory-rutolo-34860)** (NMLS 34860), Loan Factory, Medford, NJ - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in PA: confirmed with the Pennsylvania regulator (license 31344), verified 2026-10-09 23. **[Jerry Norton](https://lendb.ai/lo/jerry-norton-2773844)** (NMLS 2773844), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - What minimum DSCR do you require, and how do you calculate rent? - Can I close in an LLC? - What prepayment penalty options do you offer? Cite as: LenDb.ai, https://lendb.ai/s/dscr/pennsylvania. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._