Property types · Pennsylvania
Vacation home loan officers in Pennsylvania
As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Pennsylvania whose lender pages show Vacation home work. The top-ranked are Raja Rajan (Loan Factory), Jason Fox (NFM Lending, Frederick) and Michelle Cieniewicz (JPMorgan Chase Bank (Chase Home Lending), Wilmington). Ranking is lender-neutral: specialty evidence first, then a license in PA, 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 6
- 1
Raja RajanNMLS 1910114
Loan Factory · Mortgage broker
- Vacation home
- 1099 income
- Bank statement loan
- DSCR loan
- PA 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 2019 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Jason FoxNMLS 179208
NFM Lending · Frederick, MD · licensed in 18 states
- Vacation home
- Bank statement loan
- DSCR loan
- Self-employed
- PA 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 2018 (per Florida records)
- 3
Michelle CieniewiczNMLS 2277845
JPMorgan Chase Bank (Chase Home Lending) · Bank · Wilmington, DE
- Vacation home
- VA loan
- FHA loan
- First-time buyer
- ✓Licensed in PA: confirmed with the Pennsylvania regulator (license 111649), verified 2026-10-09
- Lists Vacation home on lender page (lender page, verified 2026-10-09)
- 4
Curt M KostewiczNMLS 1191589
JPMorgan Chase Bank (Chase Home Lending) · Bank · Pittsburgh, PA
- Vacation home
- Down payment assistance
- FHA loan
- VA 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 Pittsburgh, PA
- 5
Cody TealNMLS 65382
First Citizens Bank · Bank · Wilmington, NC · licensed in 33 states
- Vacation home
- Construction loan
- First-time buyer
- Jumbo loan
- PA 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)
- 6
Iris LegaspiNMLS 690505
First Citizens Bank · Bank · San Diego, CA · licensed in 35 states
- Vacation home
- Down payment assistance
- Physician and medical professional
- HELOC
- PA 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?
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 PA license is confirmed with the state regulator (check mark), PA 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=PA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.