{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=AR",
  "filters": {
    "state": "AR",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 1410033,
        "slug": "gabriela-alvidrez-1410033",
        "full_name": "Gaby Alvidrez",
        "canonical_url": "https://lendb.ai/lo/gabriela-alvidrez-1410033",
        "json_url": "https://lendb.ai/lo/gabriela-alvidrez-1410033.json",
        "lender": {
          "nmls_id": 75271,
          "name": "FirstTrust Home Loans, Inc.",
          "slug": "firsttrust-home-loans-inc-75271",
          "canonical_url": "https://lendb.ai/lender/firsttrust-home-loans-inc-75271",
          "type": "imb"
        },
        "branch": {
          "city": "Little Rock",
          "state": "AR"
        },
        "headshot_url": "https://www.firsttrusthomeloans.com/wp-content/uploads/2023/10/Gabriela-Alvidrez.jpg",
        "licensed_states": [
          "AR"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-03-07",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 8,
        "lender_profile_url": "https://www.firsttrusthomeloans.com/galvidrez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Little Rock, AR",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: March 7, 2017 (Florida), per state regulator",
        "States 8 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriela-alvidrez-1410033",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 2,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 1280113,
        "slug": "jaime-dejesus-1280113",
        "full_name": "Jaime Dejesus",
        "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113",
        "json_url": "https://lendb.ai/lo/jaime-dejesus-1280113.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Grand Prairie",
          "state": "TX"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_5866_Jaime_Dejesus_1791468076",
        "licensed_states": [
          "FL",
          "CO",
          "LA",
          "TX",
          "AL",
          "AR",
          "CA",
          "IA",
          "KS",
          "KY",
          "MD",
          "MT",
          "OK",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-02-10",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2018,
          "state": "TX"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/jaime-dejesus",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: February 10, 2018 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 3,
      "score": 35.8,
      "loan_officer": {
        "nmls_id": 453621,
        "slug": "marco-guerra-453621",
        "full_name": "Marco Guerra",
        "licensed_names": [
          {
            "name": "Marco Guerra",
            "name_with_middle_initial": "Marco A. Guerra",
            "first_name": "Marco",
            "middle_initial": "A",
            "last_name": "Guerra",
            "states": [
              "AR",
              "CA",
              "DE",
              "FL",
              "MO",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/marco-guerra-453621",
        "json_url": "https://lendb.ai/lo/marco-guerra-453621.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Santa Rosa",
          "state": "CA"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ckmgu-marco-guerra.jpg",
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "DE",
          "GA",
          "ID",
          "IL",
          "KY",
          "LA",
          "MO",
          "TX",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-12-08",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2014,
          "state": "CA"
        },
        "years_experience": 32,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/santarosa/marco-guerra-440-ckmgu.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: December 8, 2014 (California), per state regulator",
        "States 32 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/marco-guerra-453621",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 4,
      "score": 34.3,
      "loan_officer": {
        "nmls_id": 238306,
        "slug": "carlos-flores-238306",
        "full_name": "Carlos Flores",
        "licensed_names": [
          {
            "name": "Carlos Flores",
            "name_with_middle_initial": "Carlos M. Flores",
            "first_name": "Carlos",
            "middle_initial": "M",
            "last_name": "Flores",
            "states": [
              "AR",
              "CA",
              "FL",
              "MO",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/carlos-flores-238306",
        "json_url": "https://lendb.ai/lo/carlos-flores-238306.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "West Covina",
          "state": "CA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/68d5f5ef-b27d-4d33-ad78-b76c923ac87e/Website/8004_Flores_238306.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "AL",
          "AR",
          "AZ",
          "CA",
          "MO",
          "NV",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-09-20",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/west-covina-ca-8004/carlos-flores/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: September 20, 2010 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/carlos-flores-238306",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 5,
      "score": 33.8,
      "loan_officer": {
        "nmls_id": 266006,
        "slug": "pablo-madrid-266006",
        "full_name": "Alfredo Madrid",
        "licensed_names": [
          {
            "name": "Pablo Madrid",
            "name_with_middle_initial": "Pablo A. Madrid",
            "first_name": "Pablo",
            "middle_initial": "A",
            "last_name": "Madrid",
            "states": [
              "AR",
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/pablo-madrid-266006",
        "json_url": "https://lendb.ai/lo/pablo-madrid-266006.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Tulsa",
          "state": "OK"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Alfredo%20Madrid.png",
        "licensed_states": [
          "FL",
          "TX",
          "AR",
          "CA",
          "LA",
          "MN"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-06-18",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/alfredo-madrid",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: June 18, 2010 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/pablo-madrid-266006",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 6,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 218140,
        "slug": "mason-whitehead-218140",
        "full_name": "Mason Whitehead",
        "licensed_names": [
          {
            "name": "Mason Whitehead",
            "name_with_middle_initial": "Mason E. Whitehead",
            "first_name": "Mason",
            "middle_initial": "E",
            "last_name": "Whitehead",
            "states": [
              "AR",
              "CA",
              "CO",
              "DE",
              "FL",
              "LA",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/mason-whitehead-218140",
        "json_url": "https://lendb.ai/lo/mason-whitehead-218140.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "slug": "churchill-mortgage-1591",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Allen",
          "state": "TX"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Mason-Whitehead.jpeg",
        "licensed_states": [
          "FL",
          "CO",
          "AR",
          "DE",
          "LA",
          "MO",
          "TX",
          "OR",
          "CA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "1099-income",
          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "multi-family-2-4",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-10-07",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/mason-whitehead",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: October 7, 2010 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/mason-whitehead-218140",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 7,
      "score": 32.3,
      "loan_officer": {
        "nmls_id": 1395986,
        "slug": "eunice-parham-1395986",
        "full_name": "Eunice Parham",
        "licensed_names": [
          {
            "name": "Ruth Parham",
            "name_with_middle_initial": "Ruth E. Parham",
            "first_name": "Ruth",
            "middle_initial": "E",
            "last_name": "Parham",
            "states": [
              "AR",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-20"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/eunice-parham-1395986",
        "json_url": "https://lendb.ai/lo/eunice-parham-1395986.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Eugene",
          "state": "OR"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/eunice-parham.jpg",
        "licensed_states": [
          "TX",
          "AR",
          "OR"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-01-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2021,
          "state": "TX"
        },
        "years_experience": 12,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/ruth-parham",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: January 6, 2021 (Texas), per state regulator",
        "States 12 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/eunice-parham-1395986",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 8,
      "score": 31.5,
      "loan_officer": {
        "nmls_id": 373055,
        "slug": "louis-rios-373055",
        "full_name": "Louis Rios",
        "canonical_url": "https://lendb.ai/lo/louis-rios-373055",
        "json_url": "https://lendb.ai/lo/louis-rios-373055.json",
        "lender": {
          "nmls_id": 208516,
          "name": "Integrity Home Mortgage Corporation",
          "slug": "integrity-home-mortgage-corporation-208516",
          "canonical_url": "https://lendb.ai/lender/integrity-home-mortgage-corporation-208516",
          "type": "imb"
        },
        "branch": {
          "city": "Plano",
          "state": "TX"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL",
          "TX",
          "LA",
          "AL",
          "GA",
          "OK",
          "VA",
          "AR"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-12-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2013,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ihmcloans.com/louis-rios/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: December 6, 2013 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/louis-rios-373055",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 9,
      "score": 30.5,
      "loan_officer": {
        "nmls_id": 90916,
        "slug": "chet-wall-90916",
        "full_name": "Chet Wall",
        "licensed_names": [
          {
            "name": "Chet Wall",
            "name_with_middle_initial": "Chet J. Wall",
            "first_name": "Chet",
            "middle_initial": "J",
            "last_name": "Wall",
            "states": [
              "AR",
              "FL",
              "LA",
              "MD",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/chet-wall-90916",
        "json_url": "https://lendb.ai/lo/chet-wall-90916.json",
        "lender": {
          "nmls_id": 715386,
          "name": "Belem Servicing LLC",
          "slug": "belem-servicing-llc-715386",
          "canonical_url": "https://lendb.ai/lender/belem-servicing-llc-715386",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://patriothomemortgage.com/wp-content/uploads/2025/08/Chet-square-f7be64c7cb93b6d496d79649614be709-pn3awyd7miju-1024x1024.webp",
        "licensed_states": [
          "TX",
          "LA",
          "AR",
          "MD"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "de",
          "en",
          "es",
          "fr",
          "hu"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-11-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://patriothomemortgage.com/mortgage-officer/chet-wall/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "Earliest state license record: November 3, 2014 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/chet-wall-90916",
      "license_check": {
        "state": "AR",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in AR: confirmed with the Arkansas regulator, verified 2026-10-20",
        "verified_at": "2026-10-20",
        "source_url": "https://securities.arkansas.gov/loans/nmls/"
      }
    },
    {
      "rank": 10,
      "score": 30.5,
      "loan_officer": {
        "nmls_id": 1022104,
        "slug": "tedd-scarlett-1022104",
        "full_name": "Tedd Scarlett",
        "canonical_url": "https://lendb.ai/lo/tedd-scarlett-1022104",
        "json_url": "https://lendb.ai/lo/tedd-scarlett-1022104.json",
        "lender": {
          "nmls_id": 410317,
          "name": "Eagle Bank and Trust Company",
          "slug": "eagle-bank-and-trust-company-410317",
          "canonical_url": "https://lendb.ai/lender/eagle-bank-and-trust-company-410317",
          "type": "bank"
        },
        "branch": {
          "city": "Fayetteville",
          "state": "AR"
        },
        "headshot_url": "https://www.eaglebank.com/wp-content/uploads/2018/04/ted-scarlett.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.eaglebank.com/lender/tedd-scarlett/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Fayetteville, AR",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/tedd-scarlett-1022104",
      "license_check": {
        "state": "AR",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-16",
        "source_url": null
      }
    }
  ]
}