{ "canonical_url": "https://lendb.ai/s/investor/pennsylvania", "summary": "As of 2026-10-10, LenDb lists 37 loan officers licensed in or based in Pennsylvania whose lender pages show Real estate investor work. The top-ranked are Joan Kofsky (CrossCountry Mortgage, Wayne), Adam Workman (CrossCountry Mortgage, Charlotte) and Eric Rosemary (CrossCountry Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "investor", "state": "PA", "total": 37, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 63.8, "loan_officer": { "nmls_id": 133361, "slug": "joan-zeruld-kofsky-133361", "full_name": "Joan Kofsky", "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361", "json_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Wayne", "state": "PA" }, "licensed_states": [ "FL", "CT", "DE", "MD", "NJ", "PA", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-10-19", "state": "FL" }, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Wayne, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 22713), verified 2026-10-10", "Earliest state license record: October 19, 2017 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 22713), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 128183, "slug": "adam-workman-128183", "full_name": "Adam Workman", "canonical_url": "https://lendb.ai/lo/adam-workman-128183", "json_url": "https://lendb.ai/lo/adam-workman-128183.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Charlotte", "state": "NC" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "HI", "IA", "IL", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "PA", "RI", "SC", "SD", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-11-09", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 42807), verified 2026-10-10", "Earliest state license record: November 9, 2020 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/adam-workman-128183", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 42807), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62.8, "loan_officer": { "nmls_id": 301253, "slug": "eric-rosemary-301253", "full_name": "Eric Rosemary", "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253", "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Boca Raton", "state": "FL" }, "licensed_states": [ "FL", "AL", "CA", "CT", "GA", "KY", "NC", "NJ", "NY", "OH", "PA", "SC", "TN", "TX", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-01-06", "state": "FL" }, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 122164), verified 2026-10-10", "Earliest state license record: January 6, 2012 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 122164), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.8, "loan_officer": { "nmls_id": 934863, "slug": "jason-inglish-934863", "full_name": "Jason Inglish", "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "json_url": "https://lendb.ai/lo/jason-inglish-934863.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Cumberland", "state": "MD" }, "licensed_states": [ "FL", "PA", "MD", "OH", "SC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-07-26", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://alcova.com/loan-officer/jinglish/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-10", "Earliest state license record: July 26, 2022 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 62.3, "loan_officer": { "nmls_id": 5675, "slug": "kraig-spence-5675", "full_name": "Kraig Spence", "canonical_url": "https://lendb.ai/lo/kraig-spence-5675", "json_url": "https://lendb.ai/lo/kraig-spence-5675.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "licensed_states": [ "FL", "CO", "PA", "DC", "DE", "GA", "MD", "NC", "NE", "NJ", "OH", "SC", "TN", "VA", "WA", "WV" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2007-12-15", "state": "CO" }, "licensed_since": { "year": 2007, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kraig-spence", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 110611), verified 2026-10-10", "Earliest state license record: December 15, 2007 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/kraig-spence-5675", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 110611), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 62, "loan_officer": { "nmls_id": 252596, "slug": "jacqueline-koven-252596", "full_name": "Jacqueline Koven", "canonical_url": "https://lendb.ai/lo/jacqueline-koven-252596", "json_url": "https://lendb.ai/lo/jacqueline-koven-252596.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Summit", "state": "NJ" }, "licensed_states": [ "FL", "NJ", "NY", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-03-07", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 32010), verified 2026-10-10", "Earliest state license record: March 7, 2023 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jacqueline-koven-252596", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 32010), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 61.8, "loan_officer": { "nmls_id": 903855, "slug": "keith-smith-903855", "full_name": "Keith Smith", "canonical_url": "https://lendb.ai/lo/keith-smith-903855", "json_url": "https://lendb.ai/lo/keith-smith-903855.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CO", "PA" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2009-02-05", "state": "CO" }, "licensed_since": { "year": 2009, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://xperthomelending.com/loan-directory/keith-smith", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-10", "Earliest state license record: February 5, 2009 (Colorado), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/keith-smith-903855", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 61.3, "loan_officer": { "nmls_id": 103147, "slug": "larry-vindman-103147", "full_name": "Larry Vindman", "canonical_url": "https://lendb.ai/lo/larry-vindman-103147", "json_url": "https://lendb.ai/lo/larry-vindman-103147.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Union", "state": "NJ" }, "licensed_states": [ "FL", "CT", "IL", "NJ", "PA", "SC", "TX" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-09-16", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3447/larry-vindman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 58671), verified 2026-10-10", "Earliest state license record: September 16, 2020 (Florida), per state regulator", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/larry-vindman-103147", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 58671), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 61.3, "loan_officer": { "nmls_id": 1423725, "slug": "william-lee-underwood-1423725", "full_name": "William Lee Underwood", "canonical_url": "https://lendb.ai/lo/william-lee-underwood-1423725", "json_url": "https://lendb.ai/lo/william-lee-underwood-1423725.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "PA", "DE", "GA", "NJ" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 40, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/william-lee-underwood-1423725", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 54351), verified 2026-10-10", "States 40 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/william-lee-underwood-1423725", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 54351), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 60.8, "loan_officer": { "nmls_id": 175852, "slug": "eric-gasper-175852", "full_name": "Eric Gasper", "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "json_url": "https://lendb.ai/lo/eric-gasper-175852.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Mineola", "state": "NY" }, "licensed_states": [ "FL", "CO", "CA", "CT", "DC", "DE", "IL", "MA", "ME", "MI", "NH", "NJ", "NY", "OH", "OR", "PA", "TX", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": 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"confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-06-28", "state": "FL" }, 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}, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-09-05", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)", "Earliest state license record: September 5, 2023 (Florida), per state regulator", "States 20 years of 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Pennsylvania regulator (license 72304), verified 2026-10-10", "Earliest state license record: August 9, 2019 (Florida), per state regulator", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-repshas-1025235", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 72304), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 59.3, "loan_officer": { "nmls_id": 185192, "slug": "hong-luu-185192", "full_name": "Bobby Luu", "canonical_url": "https://lendb.ai/lo/hong-luu-185192", "json_url": "https://lendb.ai/lo/hong-luu-185192.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": 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"self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-11-30", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.apmortgage.com/bobby-luu", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor 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)", "Earliest state license record: November 30, 2022 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/hong-luu-185192", "license_check": { "state": "PA", "confidence": "lender_reported", "eligible": true, "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": 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}, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-01-08", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 11, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4539/gregory-fearnley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 116820), verified 2026-10-10", "Earliest state license record: January 8, 2025 (Florida), per state 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"DE", "MD", "NJ", "PA", "TX", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "el", "sq" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-01-28", "state": "FL" }, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/plymouth-meeting-pa-5045/irini-lulu/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Plymouth Meeting, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-10", "Earliest state license record: January 28, 2019 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/irini-ronen-lulu-482084", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 57.8, "loan_officer": { "nmls_id": 404222, "slug": "trevor-tashlik-404222", "full_name": "Trevor Tashlik", "canonical_url": 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"evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-11-15", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-4888/trevor-tashlik/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Wayne, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 45821), verified 2026-10-10", "Earliest state license record: November 15, 2021 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/trevor-tashlik-404222", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 45821), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": 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}, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-02-10", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-panza", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 71593), verified 2026-10-10", "Earliest state license record: February 10, 2011 (Florida), per state regulator", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/denise-panza-16446", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 71593), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 56.8, "loan_officer": { "nmls_id": 1235062, "slug": "nathaniel-vogel-1235062", "full_name": "Nate Vogel", "canonical_url": "https://lendb.ai/lo/nathaniel-vogel-1235062", "json_url": "https://lendb.ai/lo/nathaniel-vogel-1235062.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cedarhurst", "state": "NY" }, "licensed_states": [ "FL", "CA", "CT", "GA", "MD", "NC", "NJ", "NY", "OR", "PA", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-07-05", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cedarhurst-ny-5659/nathaniel-vogel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 82989), verified 2026-10-10", "Earliest state license record: July 5, 2018 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/nathaniel-vogel-1235062", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 82989), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 55.3, "loan_officer": { "nmls_id": 963318, "slug": "ronald-atamian-963318", "full_name": "Ronald Atamian", "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318", "json_url": "https://lendb.ai/lo/ronald-atamian-963318.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Allentown", "state": "PA" }, "licensed_states": [ "FL", "MD", "NJ", "NY", "PA", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-01-27", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/ronald-atamian/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Real estate investor on lender page (lender page, verified 2026-10-09)", "Office in Allentown, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 61017), verified 2026-10-10", "Earliest state license record: January 27, 2021 (Florida), per state regulator", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 61017), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "investor" ], "unconfirmed_specialties": [] } ] }