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

# Vacation home loan officers in Pennsylvania

As of 2026-10-10, LenDb lists 7 loan officers licensed in or based in Pennsylvania whose lender pages show Vacation home work. The top-ranked are Raja Rajan (Loan Factory), Richard Johnson (Lower, Fairfax) and Jason Fox (NFM Lending, Frederick). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Raja Rajan](https://lendb.ai/lo/raja-rajan-1910114)** (NMLS 1910114), Loan Factory
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
2. **[Richard Johnson](https://lendb.ai/lo/richard-johnson-455506)** (NMLS 455506), Lower, Fairfax, VA
   - Lists Vacation home on lender page (lender page, verified 2026-10-10)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 25 years of experience (lender page, 2026-10-10)
3. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Florida records)
4. **[Michelle Cieniewicz](https://lendb.ai/lo/michelle-cieniewicz-2277845)** (NMLS 2277845), JPMorgan Chase Bank (Chase Home Lending), Wilmington, DE
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Licensed in PA: confirmed with the Pennsylvania regulator (license 111649), verified 2026-10-10
5. **[Curt M Kostewicz](https://lendb.ai/lo/curt-m-kostewicz-1191589)** (NMLS 1191589), JPMorgan Chase Bank (Chase Home Lending), Pittsburgh, PA
   - Lists Vacation home on lender page (lender page, verified 2026-10-09)
   - Office in Pittsburgh, PA
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
6. **[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)
   - PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
7. **[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)
   - PA 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/pennsylvania.

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