{
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              "FL",
              "IA",
              "OR",
              "TX"
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          "name": "Lender Express Mortgage LLC",
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            "state": "FL",
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "confirmed"
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          {
            "state": "TX",
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            "slug": "first-time-buyer",
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            "evidence": "lender_page_text"
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            "slug": "self-employed",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "IA"
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        "Office in Mesa, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 8, 2020 (Iowa), per state regulator",
        "States 25 years of experience (lender page, 2026-10-15)"
      ],
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        ],
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "Earliest state license record: December 10, 2024 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-15)"
      ],
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        "canonical_url": "https://lendb.ai/lo/frank-r-salazar-413553",
        "json_url": "https://lendb.ai/lo/frank-r-salazar-413553.json",
        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
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        },
        "branch": {
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            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "jumbo",
            "evidence": "lender_page_text"
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      "score": 35.3,
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        "licenses": [
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        "lender_offers": [
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        "earliest_license_record": {
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        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/dylan-santos/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Office in Scottsdale, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 13, 2022 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/dylan-santos-mba-2047199",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/scottsdale-az-4661/dylan-santos/"
      }
    },
    {
      "rank": 9,
      "score": 35,
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        "full_name": "Lunna Velasco",
        "canonical_url": "https://lendb.ai/lo/lunna-velasco-1021273",
        "json_url": "https://lendb.ai/lo/lunna-velasco-1021273.json",
        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
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          "state": "AZ"
        },
        "headshot_url": "http://a.mktgcdn.com/p/mPvpXMR3wIkzG3DtDpXTWHYyH7K4Ca0l4ycpgtolca0/731x1095.jpg",
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        "licenses": [],
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        "languages": [
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        ],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        ],
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        ],
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        "earliest_license_record": null,
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        "years_experience": 8,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/nogales/420-w-mariposa-rd-hla-1021273",
        "disciplinary_check": "not_checked"
      },
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        "States 8 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lunna-velasco-1021273",
      "license_check": {
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        "verified_at": "2026-10-19",
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      "rank": 10,
      "score": 35,
      "loan_officer": {
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        "slug": "robert-rodriguez-1783236",
        "full_name": "Robert Rodriguez",
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            "first_name": "Robert",
            "middle_initial": "I",
            "last_name": "Rodriguez",
            "states": [
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              "FL",
              "NY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
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        ],
        "canonical_url": "https://lendb.ai/lo/robert-rodriguez-1783236",
        "json_url": "https://lendb.ai/lo/robert-rodriguez-1783236.json",
        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
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        },
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          "state": "AZ"
        },
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        "licensed_states": [
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            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          "state": "CA"
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        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/2827-n-44th-st-hla-1783236",
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        "Earliest state license record: October 23, 2018 (California), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/robert-rodriguez-1783236",
      "license_check": {
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        "confidence": "federal_registration",
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}