{ "canonical_url": "https://lendb.ai/s/renovation/delaware", "summary": "As of 2026-10-09, LenDb lists 22 loan officers licensed in or based in Delaware whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Scott Lacey (Guild Mortgage, Lincoln), Joan Kofsky (CrossCountry Mortgage, Wayne) and Ed Fallon (CrossCountry Mortgage, Philadelphia). Ranking is lender-neutral: specialty evidence first, then a license in DE, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "renovation", "state": "DE", "total": 22, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 57.8, "loan_officer": { "nmls_id": 8154, "slug": "scott-lacey-8154", "full_name": "Scott Lacey", "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "json_url": "https://lendb.ai/lo/scott-lacey-8154.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lincoln", "state": "RI" }, "licensed_states": [ "FL", "PA", "AL", "CT", "DC", "DE", "GA", "IN", "KY", "MA", "MD", "ME", "MI", "MS", "NC", "NH", "NJ", "RI", "SC", "TN", "VA", "VT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "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": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 55.8, "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": 9, "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 Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 55.8, "loan_officer": { "nmls_id": 144708, "slug": "edward-fallon-144708", "full_name": "Ed Fallon", "canonical_url": "https://lendb.ai/lo/edward-fallon-144708", "json_url": "https://lendb.ai/lo/edward-fallon-144708.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Philadelphia", "state": "PA" }, "licensed_states": [ "DE", "NJ", "PA" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/philadelphia-pa-2565/edward-fallon/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2014 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/edward-fallon-144708", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/philadelphia-pa-2565/edward-fallon/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 55.8, "loan_officer": { "nmls_id": 330121, "slug": "mark-minadeo-330121", "full_name": "Mark Minadeo", "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121", "json_url": "https://lendb.ai/lo/mark-minadeo-330121.json", "lender": { "nmls_id": 152859, "name": "Acrisure Mortgage (formerly FBC Mortgage)", "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859", "type": "imb" }, "branch": { "city": "Coconut Creek", "state": "FL" }, "licensed_states": [ "FL", "PA", "DE" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://acrisuremortgage.com/mminadeo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2010 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://acrisuremortgage.com/mminadeo/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 52.3, "loan_officer": { "nmls_id": 1537524, "slug": "christopher-loughlin-1537524", "full_name": "Chris Loughlin", "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524", "json_url": "https://lendb.ai/lo/christopher-loughlin-1537524.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Baltimore", "state": "MD" }, "licensed_states": [ "FL", "CT", "DC", "DE", "GA", "MA", "MD", "MI", "NC", "NJ", "OH", "PA", "RI", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "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": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "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" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/chris-loughlin/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://firsthome.com/loan-officers/chris-loughlin/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 51.8, "loan_officer": { "nmls_id": 48244, "slug": "william-mcelroy-48244", "full_name": "Billy McElroy", "canonical_url": "https://lendb.ai/lo/william-mcelroy-48244", "json_url": "https://lendb.ai/lo/william-mcelroy-48244.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sewell", "state": "NJ" }, "licensed_states": [ "FL", "CA", "DE", "NJ", "PA", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/sewell-nj-3423/william-mcelroy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/william-mcelroy-48244", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/sewell-nj-3423/william-mcelroy/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51, "loan_officer": { "nmls_id": 820600, "slug": "amy-altenburg-820600", "full_name": "Amy Altenburg", "canonical_url": "https://lendb.ai/lo/amy-altenburg-820600", "json_url": "https://lendb.ai/lo/amy-altenburg-820600.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Annapolis", "state": "MD" }, "licensed_states": [ "FL", "DC", "DE", "MD", "NJ", "SC", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.southerntrust.com/amy-altenburg/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/amy-altenburg-820600", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.southerntrust.com/amy-altenburg/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 50.3, "loan_officer": { "nmls_id": 161236, "slug": "bradley-zerbe-161236", "full_name": "Brad Zerbe", "canonical_url": "https://lendb.ai/lo/bradley-zerbe-161236", "json_url": "https://lendb.ai/lo/bradley-zerbe-161236.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Haddonfield", "state": "NJ" }, "licensed_states": [ "FL", "DE", "MD", "NJ", "PA", "SC", "VA" ], "licenses": [ { "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" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://nfmlending.com/loanoriginator/brad-zerbe/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/bradley-zerbe-161236", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://nfmlending.com/loanoriginator/brad-zerbe/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 49.8, "loan_officer": { "nmls_id": 455836, "slug": "tammi-printz-455836", "full_name": "Tammi Printz", "canonical_url": "https://lendb.ai/lo/tammi-printz-455836", "json_url": "https://lendb.ai/lo/tammi-printz-455836.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Annapolis", "state": "MD" }, "licensed_states": [ "DC", "DE", "MD", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/tammi-printz/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/tammi-printz-455836", "license_check": { "state": "DE", "confidence": "lender_reported", "eligible": true, "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://firsthome.com/loan-officers/tammi-printz/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 49.3, "loan_officer": { "nmls_id": 369554, "slug": "nathan-fitzgerald-369554", "full_name": "Nathan Fitzgerald", "canonical_url": "https://lendb.ai/lo/nathan-fitzgerald-369554", "json_url": "https://lendb.ai/lo/nathan-fitzgerald-369554.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Orlando", "state": "FL" }, "licensed_states": [ "FL", "AZ", "CA", "DC", "DE", "MD", "NC", "NJ", "OH", "PA", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "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": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/orlando-fl-3976/nathan-fitzgerald/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "DE listed on their lender page (not yet checked with the state regulator; 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