{
  "canonical_url": "https://lendb.ai/s/vacation-home/south-carolina",
  "summary": "As of 2026-10-09, LenDb lists 34 loan officers licensed in or based in South Carolina whose lender pages show Vacation home work. The top-ranked are Jessica Ochoa (Fairway Independent Mortgage Corporation, Richmond Hill), James Burton (Southern Trust Mortgage, Mt Pleasant) and Jack Fakoury (First Citizens Bank, Columbia). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "vacation-home",
  "state": "SC",
  "total": 34,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 525089,
        "slug": "jessica-ochoa-525089",
        "full_name": "Jessica Ochoa",
        "canonical_url": "https://lendb.ai/lo/jessica-ochoa-525089",
        "json_url": "https://lendb.ai/lo/jessica-ochoa-525089.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Richmond Hill",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "NC",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 15,
        "lender_profile_url": "https://www.fairway.com/lo/jessica-ochoa-525089",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-ochoa-525089"
    },
    {
      "rank": 2,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 2121317,
        "slug": "james-burton-2121317",
        "full_name": "James Burton",
        "canonical_url": "https://lendb.ai/lo/james-burton-2121317",
        "json_url": "https://lendb.ai/lo/james-burton-2121317.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Mt Pleasant",
          "state": "SC"
        },
        "licensed_states": [
          "FL",
          "GA",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.southerntrust.com/james-burton/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "Branch in South Carolina",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/james-burton-2121317"
    },
    {
      "rank": 3,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 618631,
        "slug": "jack-fakoury-618631",
        "full_name": "Jack Fakoury",
        "canonical_url": "https://lendb.ai/lo/jack-fakoury-618631",
        "json_url": "https://lendb.ai/lo/jack-fakoury-618631.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Columbia",
          "state": "SC"
        },
        "licensed_states": [
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 33,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/sc/columbia/jack-fakoury",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "Branch in South Carolina",
        "33 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jack-fakoury-618631"
    },
    {
      "rank": 4,
      "score": 50,
      "loan_officer": {
        "nmls_id": 225423,
        "slug": "ossie-rogers-225423",
        "full_name": "Ossie Rogers",
        "canonical_url": "https://lendb.ai/lo/ossie-rogers-225423",
        "json_url": "https://lendb.ai/lo/ossie-rogers-225423.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Columbia",
          "state": "SC"
        },
        "licensed_states": [
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 18,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/sc/columbia/ossie-rogers",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "Branch in South Carolina",
        "18 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ossie-rogers-225423"
    },
    {
      "rank": 5,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 453787,
        "slug": "andrew-olson-453787",
        "full_name": "Andrew Olson",
        "canonical_url": "https://lendb.ai/lo/andrew-olson-453787",
        "json_url": "https://lendb.ai/lo/andrew-olson-453787.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "NC",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/charlotte/andrew-olson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-olson-453787"
    },
    {
      "rank": 6,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 500343,
        "slug": "alex-macklin-500343",
        "full_name": "Alex Macklin",
        "canonical_url": "https://lendb.ai/lo/alex-macklin-500343",
        "json_url": "https://lendb.ai/lo/alex-macklin-500343.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Fuquay-Varina",
          "state": "NC"
        },
        "licensed_states": [
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/fuquay-varina/alex-macklin",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alex-macklin-500343"
    },
    {
      "rank": 7,
      "score": 45,
      "loan_officer": {
        "nmls_id": 2107275,
        "slug": "stephanie-vidulovic-2107275",
        "full_name": "Stephanie Sequeira",
        "canonical_url": "https://lendb.ai/lo/stephanie-vidulovic-2107275",
        "json_url": "https://lendb.ai/lo/stephanie-vidulovic-2107275.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/stephanie-sequeira/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/stephanie-vidulovic-2107275"
    },
    {
      "rank": 8,
      "score": 44.6,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 17,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)",
        "17 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 9,
      "score": 44.5,
      "loan_officer": {
        "nmls_id": 474164,
        "slug": "mark-schepp-474164",
        "full_name": "Mark Schepp",
        "canonical_url": "https://lendb.ai/lo/mark-schepp-474164",
        "json_url": "https://lendb.ai/lo/mark-schepp-474164.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Mount Pleasant",
          "state": "SC"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/sc/mount-pleasant/960-houston-northcutt-blvd-hla-474164",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Branch in South Carolina; no license list on file yet, verify at NMLS Consumer Access"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-schepp-474164"
    },
    {
      "rank": 10,
      "score": 44.5,
      "loan_officer": {
        "nmls_id": 624255,
        "slug": "jason-garber-624255",
        "full_name": "Jason Garber",
        "canonical_url": "https://lendb.ai/lo/jason-garber-624255",
        "json_url": "https://lendb.ai/lo/jason-garber-624255.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Rock Hill",
          "state": "SC"
        },
        "licensed_states": [],
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/sc/rock-hill/128-herlong-ave-s-hla-624255",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Branch in South Carolina; no license list on file yet, verify at NMLS Consumer Access"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-garber-624255"
    },
    {
      "rank": 11,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 118635,
        "slug": "michelle-roten-118635",
        "full_name": "Michelle Roten",
        "canonical_url": "https://lendb.ai/lo/michelle-roten-118635",
        "json_url": "https://lendb.ai/lo/michelle-roten-118635.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Burlington",
          "state": "NC"
        },
        "licensed_states": [
          "NC",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/michelle-roten/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in SC (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-roten-118635"
    },
    {
      "rank": 12,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 2168977,
        "slug": "missy-eason-2168977",
        "full_name": "Missy Eason",
        "canonical_url": "https://lendb.ai/lo/missy-eason-2168977",
        "json_url": "https://lendb.ai/lo/missy-eason-2168977.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Greenville",
          "state": "NC"
        },
        "licensed_states": [
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