United Residential Lending (URL), the lending affiliate of San Diego-based National Asset Direct (NAD), will open five new branches. The mortgage banker sells Federal Housing Administration (FHA), agency and jumbo loans in 19 states and will open offices in Sacramento, San Ramon and Ripon, Calif., Albuquerque, NM and Arlington, Texas. Parent company NAD serves as an advisor and portfolio manager to buyers of performing, sub-performing and non-performing residential mortgage loans and assets. “The addition of these offices will allow us to expand our footprint and strengthen our ‘one-stop shop’ model while filling the void left by players who have exited the origination market,” said Jeffrey Kaplan, NAD president and CEO. To head these new branches, URL placed two new regional managers and five new branch managers: Ken Michael will serve as URL’s Southeast regional manager, where he will foster relationships with new communities, develop strategic programs and initiatives to accelerate growth and profitability in the local markets and recruit new branch managers. Ken Stiles will serve as South Central regional manager. He most recently served as president of Medallion Mortgage Corporation. Veronica Gomez is the Albuquerque branch manager. Prior to joining URL, Gomez ran a mortgage brokerage firm, Sol Financial, where she was responsible for overseeing the firm’s day-to-day operations, managing employees and loan officers, and marketing the firms’ products. Anthony Deffina is the San Ramon branch manager. He joins from CharterHouse Financial Services, a mortgage brokerage firm, where he was sales group manager. John Killingbeck is the Ripon branch manager. He joins from Lamarsh Financial, where he was a loan officer. Susan Sieve is the Sacramento branch manager. She most recently served as a mortgage broker for Barons Mortgage, a firm she founded. Debra Stiles is the Arlington branch manager. She joins from AmeriCare Investment Group, where she was a branch manager. Write to Austin Kilgore.