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"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)", "Office in Santa Rosa, CA", "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO453621), verified 2026-10-24", "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": "CA", "confidence": "confirmed", "eligible": true, "label": "Licensed in CA: confirmed with the California Department of Financial Protection and Innovation (license CA-DBO453621), verified 2026-10-24", "verified_at": "2026-10-24", "source_url": "https://dfpi.ca.gov/" } }, { "rank": 9, "score": 45.8, "loan_officer": { "nmls_id": 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