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Borrower situations · Massachusetts

Loan officers for physicians and medical professionals in Massachusetts

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Massachusetts whose lender pages show Physician and medical professional work. The top-ranked are Nicole Kwan (CrossCountry Mortgage, Lexington), David Fay (CrossCountry Mortgage, Lexington) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in MA, 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 8

  1. 1

    Nicole KwanNMLS 477256

    CrossCountry Mortgage · Lexington, MA · licensed in 5 states

    • Physician and medical professional
    • Condo
    • Foreign national
    • New construction
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • Branch in Massachusetts
    • 20 years experience (stated on lender page, 2026-10-09)
  2. 2

    David FayNMLS 513224

    CrossCountry Mortgage · Lexington, MA · licensed in 8 states

    • Physician and medical professional
    • Condo
    • Jumbo loan
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • Branch in Massachusetts
    • 25 years experience (stated on lender page, 2026-10-09)
  3. 3

    Iris LegaspiNMLS 690505

    First Citizens Bank · San Diego, CA · licensed in 35 states

    • Physician and medical professional
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    David JohansenNMLS 22078

    Guild Mortgage · Warwick, RI · licensed in 5 states

    • Physician and medical professional
    • First-time buyer
    • VA loan
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Diana Carvajal-HirschNMLS 704461

    First Citizens Bank · Cambridge, MA

    • Physician and medical professional
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • Branch in Massachusetts
    • 20 years experience (stated on lender page, 2026-10-09)
  6. 6

    Molly Barndt, MBA, CSCPNMLS 2236749

    CrossCountry Mortgage · Chicago, IL · licensed in 29 states

    • Physician and medical professional
    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Cody TealNMLS 65382

    First Citizens Bank · Wilmington, NC · licensed in 33 states

    • Physician and medical professional
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Manen PanNMLS 1006352

    First Citizens Bank · Pasadena, CA · licensed in 32 states

    • Physician and medical professional
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)
    • Licensed in MA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Student debt and future employment contracts need special treatment that only physician programs allow.

  • Do you have a physician loan program, and who qualifies?
  • How do you treat my student loans in qualifying?
  • Can I close on a signed employment contract before I start?

More about Physician and medical professional

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in MA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=physician&state=MA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.