About Nation One


Local Mortgage

Phil Crescenzo Jr.

Division President, NMLS ID: 95618
Time In Business: 24 Years

Phil has been responsible for problem-solving & structuring some of the most complex loans in the mortgage industry since 2000. Trusted by national home builders & top producing real estate agents, Phil runs the division with a high level of commitment & dedication to excellence while maintaining industry leading results year after year.  Phil has been featured in Scotsman Guide, Charleston Real Producers, MoneyWatch, MarketWatch, HousingWire, CNN, National Mortgage News, & is on the Forbes Mortgage Advisory Panel.

Fun Facts: Philadelphia Eagles Super Fan, Above Average Golfer, Green Egg Expert, Handyman, Father of 4, Believer

James Essen

Director of Sales

As Vice President of Market Growth, James Essen is focused on leading, coaching and recruiting. Over his nearly 20-year career, James has held senior leadership roles in the broker, non-bank/correspondent, and bank distributed retail spaces.

James’ industry experience has shown him that homeownership creates generational wealth in America – something he is very passionate about. James supports this goal by bringing on the top loan advisors and building the best branches possible. James’ leadership skills have also allowed him to become a certified John C. Maxwell coach, trainer, and speaker.

Fun Facts: Avid Golfer, Husband, Father of 5, Loves to Travel & Volunteer, World’s greatest tetherball player

Local Mortgage
Local Mortgage

Amanda Baker

Region Operations Manager

Growing up I wanted to be a lawyer. Six months after becoming a “real lawyer” I started a career in mortgages. Over a decade later and I haven’t looked back.Outside of work I enjoy spending time with my family, puzzling, gardening and watchin the Gamecocks, Denver Broncos, and the Atlanta Braves.

Fun Facts: Grew up wanting to be a lawyer, loves puzzling, gardening, step aerobics, & reading

Local Mortgage
Local Mortgage Family

It’s about trust

“We want to set the client up for success. Whether that’s guiding them to the closing table in under 30 days or giving them a plan to close in six months, we are here to be their coach and help them cross the finish line. Just as Dad & I work together day in & day out as a team, we want to have that same teamwork established with every client”