{ "canonical_url": "https://lendb.ai/s/refinance/pennsylvania", "summary": "As of 2026-10-26, LenDb lists 118 loan officers licensed in or based in Pennsylvania whose lender pages show Refinance work. The top-ranked are Rich Sachse (Guild Mortgage, Wilkes Barre), Jillian Faustino (Newrez, Fort Washington) and Jim Sarver (Newrez, Mount Pleasant). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "PA", "total": 118, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 68, "loan_officer": { "nmls_id": 132877, "slug": "rich-sachse-132877", "full_name": "Rich Sachse", "licensed_names": [ { "name": "Richard Sachse", "name_with_middle_initial": "Richard W. Sachse", "first_name": "Richard", "middle_initial": "W", "last_name": "Sachse", "states": [ "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/rich-sachse-132877", "json_url": "https://lendb.ai/lo/rich-sachse-132877.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Wilkes Barre", "state": "PA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgrsa-rich-sachse.jpg", "licensed_states": [ "PA" ], "licenses": [ { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://branches.guildmortgage.com/pa/wilkesbarre/rich-sachse-648-rgrsa.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Wilkes Barre, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 21509), verified 2026-10-16", "States 23 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/rich-sachse-132877", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 21509), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 62.3, "loan_officer": { "nmls_id": 2748105, "slug": "jillian-faustino-2748105", "full_name": "Jillian Faustino", "licensed_names": [ { "name": "Jillian Faustino", "name_with_middle_initial": "Jillian M. Faustino", "first_name": "Jillian", "middle_initial": "M", "last_name": "Faustino", "states": [ "CA", "CO", "CT", "FL", "LA", "MA", "MD", "MO", "PA", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105", "json_url": "https://lendb.ai/lo/jillian-faustino-2748105.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Fort Washington", "state": "PA" }, "headshot_url": "https://www.newrez.com/media/2gxnvq1u/jillian-faustino-headshot-photo.jpg?width=460&height=614&rmode=crop&format=webp&quality=80", "licensed_states": [ "FL", "CO", "PA", "TX", "CT", "LA", "MO", "CA", "MA", "MD", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-10-02", "state": "IL" }, "licensed_since": { "year": 2025, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://www.newrez.com/find-loan-officer/jillian-faustino/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Fort Washington, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 117241), verified 2026-10-16", "Earliest state license record: October 2, 2025 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 117241), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 62, "loan_officer": { "nmls_id": 144473, "slug": "james-sarver-144473", "full_name": "Jim Sarver", "licensed_names": [ { "name": "James Sarver", "name_with_middle_initial": "James E. Sarver", "first_name": "James", "middle_initial": "E", "last_name": "Sarver", "states": [ "FL", "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/james-sarver-144473", "json_url": "https://lendb.ai/lo/james-sarver-144473.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Mount Pleasant", "state": "SC" }, "headshot_url": "https://caliberamp.dmplocal.com/files/form_images/cd/8d/c1/15836/14079_1user_photoJim_Sarver.jpg", "licensed_states": [ "FL", "PA", "GA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-01-26", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.newrez.com/find-loan-officer/jim-sarver/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 31846), verified 2026-10-16", "Earliest state license record: January 26, 2022 (Florida), per state regulator", "States 30 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/james-sarver-144473", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 31846), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 59.8, "loan_officer": { "nmls_id": 125836, "slug": "amber-housholder-125836", "full_name": "Amber Housholder", "licensed_names": [ { "name": "Amber Housholder", "name_with_middle_initial": "Amber L. Housholder", "first_name": "Amber", "middle_initial": "L", "last_name": "Housholder", "states": [ "FL", "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/amber-housholder-125836", "json_url": "https://lendb.ai/lo/amber-housholder-125836.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Cranberry Township", "state": "PA" }, "headshot_url": "https://a.mktgcdn.com/p/a8qcjZh3cvk4xk0TKEVtXSeILYRdepqvpT8tN04IIv0/191x275.jpg", "licensed_states": [ "FL", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-10-03", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://www.grarate.com/loan-officers/amber-housholder-125836", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Cranberry Township, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 24539), verified 2026-10-16", "Earliest state license record: October 3, 2025 (Florida), per state regulator", "States 28 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/amber-housholder-125836", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 24539), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 58, "loan_officer": { "nmls_id": 934863, "slug": "jason-inglish-934863", "full_name": "Jason Inglish", "licensed_names": [ { "name": "Jason Inglish", "name_with_middle_initial": "Jason M. Inglish", "first_name": "Jason", "middle_initial": "M", "last_name": "Inglish", "states": [ "FL", "MD", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "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", "slug": "alcova-mortgage-40508", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Cumberland", "state": "MD" }, "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/jason-inglish.png", "licensed_states": [ "FL", "PA", "MD", "OH", "SC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "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": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "dscr", "heloc", "jumbo", "reverse", "self-employed" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "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 Refinance on lender page (lender page, verified 2026-10-21)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-16", "Earliest state license record: July 26, 2022 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "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 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 56.8, "loan_officer": { "nmls_id": 903855, "slug": "keith-smith-903855", "full_name": "Keith Smith", "licensed_names": [ { "name": "Keith Smith", "name_with_middle_initial": "Keith W. Smith", "first_name": "Keith", "middle_initial": "W", "last_name": "Smith", "states": [ "CO", "FL", "IA", "PA" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "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", "slug": "xpert-home-lending-2179191", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://xperthomelending.com/hs-fs/hubfs/Headshots/Processed/Keith-Smith.webp?width=600&name=Keith-Smith.webp", "licensed_states": [ "CO", "PA" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [ "asset-based", "bank-statement", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "itin", "jumbo", "mixed-use", "non-qm", "recent-credit-event", "renovation", "reverse", "self-employed", "usda", "va" ], "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 Refinance on lender page (lender page, verified 2026-10-21)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-16", "Earliest state license record: February 5, 2009 (Colorado), per state regulator", "States 25 years of experience (lender page, 2026-10-21)" ], "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 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 56.3, "loan_officer": { "nmls_id": 1247814, "slug": "kris-hermann-1247814", "full_name": "Kris Hermann", "licensed_names": [ { "name": "Kristopher Hermann", "name_with_middle_initial": "Kristopher M. Hermann", "first_name": "Kristopher", "middle_initial": "M", "last_name": "Hermann", "states": [ "CA", "CO", "DE", "LA", "NY", "OR", "PA" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "json_url": "https://lendb.ai/lo/kris-hermann-1247814.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "slug": "lit-financial-2553292", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": "https://litfinancial.com/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fcjhhhqmd%2Fproduction%2F5a1d36d1a99923190b06f4c16ee850accda294c5-1200x1200.png%3Frect%3D120%2C0%2C960%2C1200%26w%3D800%26h%3D1000%26fit%3Dmax%26auto%3Dformat&w=3840&q=75", "licensed_states": [ "CO", "PA", "LA", "DE", "OR", "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "dscr", "first-time-buyer", "investor", "jumbo", "reverse", "self-employed" ], "years_licensed": null, "earliest_license_record": { "date": "2015-02-17", "state": "CO" }, "licensed_since": { "year": 2015, "state": "CO" }, "years_experience": 10, "lender_profile_url": "https://litfinancial.com/loan-experts/kris-hermann", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 49540), verified 2026-10-16", "Earliest state license record: February 17, 2015 (Colorado), per state regulator", "States 10 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 49540), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 55.5, "loan_officer": { "nmls_id": 1760286, "slug": "george-tsemberlis-1760286", "full_name": "George Tsemberlis", "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286", "json_url": "https://lendb.ai/lo/george-tsemberlis-1760286.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Plains", "state": "NY" }, "headshot_url": "https://thevault.ccm.com/asset/0bd44fcb-0690-4058-8536-3d22d8d1173f/Website/3690_Tsemberlis_1760286.jpg", "licensed_states": [ "FL", "CT", "NY", "PA", "CA", "NJ" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-12-03", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-3690/george-tsemberlis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 91885), verified 2026-10-16", "Earliest state license record: December 3, 2020 (Florida), per state regulator", "States 15 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/george-tsemberlis-1760286", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 91885), verified 2026-10-16", "verified_at": "2026-10-16", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 9, "score": 54.5, "loan_officer": { "nmls_id": 7577, "slug": "jason-stallworth-7577", "full_name": "Jason Stallworth", "licensed_names": [ { "name": "Jason Stallworth", "name_with_middle_initial": "Jason C. 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