**Mortgage Lending Expert | Howard Bank**
David, Senior Vice President at Howard Bank Mortgage, blends extensive loan origination skills with proven leadership. He directs operations and origination teams, setting strategic vision and policy while consistently exceeding personal production goals. With 16+ years experience guiding homebuyers, David offers unparalleled expertise. Beyond finance, he's a Cato Institute Patron exploring macroeconomics and a dedicated 16-year volunteer firefighter in Baltimore County. Start your application online today!