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Property types · Missouri

Vacation home loan officers in Missouri

As of 2026-10-09, LenDb lists 9 loan officers licensed in or based in Missouri whose lender pages show Vacation home work. The top-ranked are Joanna White (Union Home Mortgage, Arlington Heights), Tony Pogrelis (Guild Mortgage, Troy) and Mark Bult (JPMorgan Chase Bank (Chase Home Lending), Brentwood). Ranking is lender-neutral: specialty evidence first, then a license in MO, 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 9

  1. 1

    Joanna WhiteNMLS 404853

    Union Home Mortgage · Arlington Heights, IL · licensed in 5 states

    • Vacation home
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
    • States 24 years of experience (lender page, 2026-10-09)
  2. 2

    Tony PogrelisNMLS 392067

    Guild Mortgage · Troy, MO · licensed in 2 states

    • Vacation home
    • MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Troy, MO
    • States 15 years of experience (lender page, 2026-10-09)
  3. 3

    Mark BultNMLS 968194

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Brentwood, MO

    • Vacation home
    • Co-op
    • Condo
    • Jumbo loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Brentwood, MO
  4. 4

    Iris LegaspiNMLS 690505

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

    • Vacation home
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • States 17 years of experience (lender page, 2026-10-09)
  5. 5

    Adam LaumanNMLS 735999

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Saint Charles, MO

    • Vacation home
    • Down payment assistance
    • VA loan
    • FHA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Saint Charles, MO
  6. 6

    Amy FrillmanNMLS 845221

    JPMorgan Chase Bank (Chase Home Lending) · Bank · St Louis, MO

    • Vacation home
    • VA loan
    • FHA loan
    • Jumbo loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in St Louis, MO
  7. 7

    Martin IssaNMLS 1618953

    JPMorgan Chase Bank (Chase Home Lending) · Bank · Saint Louis, MO

    • Vacation home
    • Down payment assistance
    • VA loan
    • FHA loan
    • Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
    • Office in Saint Louis, MO
  8. 8

    Cody TealNMLS 65382

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

    • Vacation home
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)
  9. 9

    Manen PanNMLS 1006352

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

    • Vacation home
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Vacation home on lender page (lender page, verified 2026-10-09)

Before you choose

Occupancy rules decide whether it is a second home or an investment property, which changes pricing and down payment.

  • Will this qualify as a second home or an investment property?
  • Can I rent it out part time and keep second home pricing?
  • How do you treat short-term rental income?

More about Vacation home

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a MO license is confirmed with the state regulator (check mark), MO is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

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