NMLS #1013665
Over 20 years of financial services experience. Specialized credentials. Technology-forward approach. One goal: making sure you get the right loan with total clarity.
Todd Hanley, RICP®, CMA™
Senior Loan Officer at United Direct Lending
NMLS #1013665
With more than 20 years in financial services, Todd Hanley brings a depth of experience that goes well beyond rate sheets and loan applications. His career has spanned retirement income planning, insurance, and mortgage lending — giving him a holistic view of how a mortgage fits into a borrower's complete financial picture.
Todd holds the RICP® (Retirement Income Certified Professional) designation from The American College of Financial Services — a credential typically held by financial advisors, not mortgage originators. This background is especially valuable for clients navigating reverse mortgages, downsizing strategies, or refinancing in retirement.
He also holds the CMA™ (Certified Mortgage Advisor) designation, reflecting specialized knowledge in mortgage structuring, pricing analysis, and borrower education.
Featured in The Wall Street Journal
Todd was referenced for his analysis on the Freddie Mac Primary Mortgage Market Survey, explaining how staggered lender response timing can misrepresent actual rate conditions and create consumer confusion.
Read the WSJ article →Referenced in a prior role. Not an endorsement.
As a Non-QM specialist, Todd helps investors, business owners, and seniors access financing when traditional banks say no — including DSCR investor loans, bank statement programs, and asset-based qualification.
We believe that better information leads to better mortgage decisions. Every tool, conversation, and recommendation is built around three principles.
We build and maintain a library of free professional-grade calculators at themortgage.expert — covering affordability, refinance break-even, DSCR, reverse mortgage proceeds, and more. You get the numbers before the sales pitch.
Every quote, every calculator, every piece of content includes the required disclaimers and clear assumptions. We are not in the business of hiding terms in fine print. Transparent pricing is the standard, not the exception.
We explain how mortgage pricing actually works, what drives rate movements, and why your specific scenario may differ from national averages. An informed borrower makes a confident borrower.
Over 20 years in financial services with specialized certifications in retirement income planning and mortgage advisory.
Retirement Income
Certified Mortgage
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