---
canonical_url: https://lendb.ai/s/vacation-home/missouri
last_verified: 2026-10-09
---

# Vacation home loan officers in Missouri

As of 2026-10-09, LenDb lists 8 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.

## Ranked, with reasons

1. **[Joanna White](https://lendb.ai/lo/joanna-white-404853)** (NMLS 404853), Union Home Mortgage, Arlington Heights, IL
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2021 (per Florida records)
   - States 24 years of experience (lender page, 2026-10-09)
2. **[Tony Pogrelis](https://lendb.ai/lo/tony-pogrelis-392067)** (NMLS 392067), Guild Mortgage, Troy, MO
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Troy, MO
   - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 15 years of experience (lender page, 2026-10-09)
3. **[Mark Bult](https://lendb.ai/lo/mark-bult-968194)** (NMLS 968194), JPMorgan Chase Bank (Chase Home Lending), Brentwood, MO
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Brentwood, MO
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
4. **[Adam Lauman](https://lendb.ai/lo/adam-lauman-735999)** (NMLS 735999), JPMorgan Chase Bank (Chase Home Lending), Saint Charles, MO
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Saint Charles, MO
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
5. **[Amy Frillman](https://lendb.ai/lo/amy-frillman-845221)** (NMLS 845221), JPMorgan Chase Bank (Chase Home Lending), St Louis, MO
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in St Louis, MO
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
6. **[Martin Issa](https://lendb.ai/lo/martin-issa-1618953)** (NMLS 1618953), JPMorgan Chase Bank (Chase Home Lending), Saint Louis, MO
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Saint Louis, MO
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
7. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/vacation-home/missouri.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._