Stan earned his MBA in 2011 and has worked in the mortgage business ever since. He began his career as a processor, and has since spent time as a loan officer, compliance officer, analyst, with the bulk of his career as an underwriter.

"I underwrite conventional, portfolio, FHA, and Jumbo/Non-QM loans. As an underwriter, my focus in on proactively communicating with my loan officers, LOAs, and processors to make sure that we work as a team and find solutions to any problems that come up during the loan process."

Larry Hickey is a seasoned Mortgage Underwriter with over 30 years of experience specializing in risk assessment, credit analysis, and complex loan decisioning across multiple lending environments. He is fully certified to underwrite VA, FHA, USDA, and Conventional loan products and holds both SAR (LAPP) and DE designations, demonstrating advanced proficiency in government‑backed lending programs.

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Throughout his career, he has built a reputation for precise guideline interpretation, sound judgment, and a commitment to delivering high‑quality, compliant underwriting decisions. His expertise spans purchase and refinance transactions, manual underwrites, layered‑risk scenarios, and collaborating closely with loan officers, processors, and compliance teams to ensure smooth, timely closings.

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Known for his analytical approach, strong communication skills, and dedication to maintaining the highest standards of loan quality, Larry brings unmatched depth of knowledge and reliability to every file he reviews.

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