--- canonical_url: https://lendb.ai/s/self-employed/south-carolina last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in South Carolina As of 2026-10-09, LenDb lists 39 loan officers licensed in or based in South Carolina whose lender pages show Self-employed work. The top-ranked are Ken Byrne (ALCOVA Mortgage, Chantilly), James Igbinovia (CrossCountry Mortgage, Scottsdale) and Donna King (Union Home Mortgage, Asheville). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Ken Byrne](https://lendb.ai/lo/kenneth-byrne-187129)** (NMLS 187129), ALCOVA Mortgage, Chantilly, VA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: January 9, 2025 (Florida), per state regulator - States 34 years of experience (lender page, 2026-10-09) 2. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC 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) 3. **[Donna King](https://lendb.ai/lo/donna-king-637803)** (NMLS 637803), Union Home Mortgage, Asheville, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: March 26, 2025 (Florida), per state regulator - States 28 years of experience (lender page, 2026-10-09) 4. **[Gabe Libutti](https://lendb.ai/lo/gabriel-libutti-504917)** (NMLS 504917), Atlantic Coast Mortgage, Huntersville, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 10, 2019 (Florida), per state regulator - States 24 years of experience (lender page, 2026-10-09) 5. **[Larry Vindman](https://lendb.ai/lo/larry-vindman-103147)** (NMLS 103147), CrossCountry Mortgage, Union, NJ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 16, 2020 (Florida), per state regulator - States 17 years of experience (lender page, 2026-10-09) 6. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 24, 2025 (Florida), per state regulator - States 14 years of experience (lender page, 2026-10-09) 7. **[Bonnie Jackson](https://lendb.ai/lo/bonnie-jackson-450491)** (NMLS 450491), Atlantic Coast Mortgage, Huntersville, NC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 26, 2019 (Florida), per state regulator - States 15 years of experience (lender page, 2026-10-09) 8. **[Chris Caldwell](https://lendb.ai/lo/christopher-caldwell-1996815)** (NMLS 1996815), CrossCountry Mortgage, Greenville, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Greenville, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: April 29, 2022 (Florida), per state regulator 9. **[Cameron Castronova](https://lendb.ai/lo/cameron-castronova-1605079)** (NMLS 1605079), CrossCountry Mortgage, Melville, NY - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: November 5, 2018 (Florida), per state regulator - States 9 years of experience (lender page, 2026-10-09) 10. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 27, 2016 (Colorado), per state regulator 11. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 18, 2018 (Florida), per state regulator 12. **[Angie Turley](https://lendb.ai/lo/angela-turley-363066)** (NMLS 363066), Fairway Independent Mortgage Corporation, Mooresville, IN - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 14, 2019 (Florida), per state regulator 13. **[Jeff Adams](https://lendb.ai/lo/jeffrey-adams-1851495)** (NMLS 1851495), CrossCountry Mortgage, Cincinnati, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 11, 2021 (Florida), per state regulator 14. **[Vince Stasolla](https://lendb.ai/lo/vincente-stasolla-148704)** (NMLS 148704), CrossCountry Mortgage, Pittsburgh, PA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 3, 2022 (Florida), per state regulator 15. **[Heath Barnes](https://lendb.ai/lo/heath-barnes-210164)** (NMLS 210164), Guild Mortgage, Houston, TX - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: September 1, 2022 (Colorado), per state regulator 16. **[Mark Schepp](https://lendb.ai/lo/mark-schepp-474164)** (NMLS 474164), JPMorgan Chase Bank (Chase Home Lending), Mount Pleasant, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Mount Pleasant, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 17. **[Jason Garber](https://lendb.ai/lo/jason-garber-624255)** (NMLS 624255), JPMorgan Chase Bank (Chase Home Lending), Rock Hill, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Rock Hill, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 18. **[Maevelyn Watts](https://lendb.ai/lo/maevelyn-watts-2497937)** (NMLS 2497937), CrossCountry Mortgage, Cincinnati, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 25, 2016 (Colorado), per state regulator 20. **[Charles Davis](https://lendb.ai/lo/charles-davis-1740379)** (NMLS 1740379), Empire Home Loans - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: February 15, 2022 (Florida), per state regulator 21. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Carolyn S MacIntosh](https://lendb.ai/lo/carolyn-s-macintosh-328205)** (NMLS 328205), First Citizens Bank, Spartanburg, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Spartanburg, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 23. **[Jack Fakoury](https://lendb.ai/lo/jack-fakoury-618631)** (NMLS 618631), First Citizens Bank, Columbia, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Columbia, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 33 years of experience (lender page, 2026-10-09) 24. **[Stan Carter](https://lendb.ai/lo/stan-carter-718966)** (NMLS 718966), First Citizens Bank, Irmo, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Irmo, SC - SC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 45 years of experience (lender page, 2026-10-09) 25. **[Francisco J Ippoliti](https://lendb.ai/lo/francisco-j-ippoliti-418577)** (NMLS 418577), JPMorgan Chase Bank (Chase Home Lending), Columbia, SC - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Columbia, SC - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS ## Questions to ask - How will you calculate my income from my tax returns? - Would a bank statement or P&L loan qualify me for more? - Do I need two years of self-employment history? Cite as: LenDb.ai, https://lendb.ai/s/self-employed/south-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._