{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=DC",
  "filters": {
    "state": "DC",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 34,
      "loan_officer": {
        "nmls_id": 314050,
        "slug": "francoise-gonzales-314050",
        "full_name": "Francoise Gonzales",
        "licensed_names": [
          {
            "name": "Francoise Gonzales",
            "name_with_middle_initial": "Francoise B. Gonzales",
            "first_name": "Francoise",
            "middle_initial": "B",
            "last_name": "Gonzales",
            "states": [
              "FL",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050",
        "json_url": "https://lendb.ai/lo/francoise-gonzales-314050.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": "Columbia",
          "state": "MD"
        },
        "headshot_url": "https://thevault.ccm.com/asset/e8313c96-ba21-4392-ac66-5353c4c197a9/Website/2724_Gonzales_314050.jpg",
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-03-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 6, 2025 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/"
      }
    },
    {
      "rank": 2,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 206531,
        "slug": "jorge-posada-206531",
        "full_name": "Jorge Posada",
        "licensed_names": [
          {
            "name": "Jorge Posada",
            "name_with_middle_initial": "Jorge F. Posada",
            "first_name": "Jorge",
            "middle_initial": "F",
            "last_name": "Posada",
            "states": [
              "FL",
              "MD",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
        "json_url": "https://lendb.ai/lo/jorge-posada-206531.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": "Rockville",
          "state": "MD"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Jorge%20Posada.png",
        "licensed_states": [
          "FL",
          "TX",
          "PA",
          "DC",
          "MD",
          "NC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-05-31",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/jorge-posada",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 31, 2018 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.themortgagelink.com/loan-officer/jorge-posada"
      }
    },
    {
      "rank": 3,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 898712,
        "slug": "gina-myers-898712",
        "full_name": "Gina Myers",
        "canonical_url": "https://lendb.ai/lo/gina-myers-898712",
        "json_url": "https://lendb.ai/lo/gina-myers-898712.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": "Fairfax",
          "state": "VA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/73d9fd0e-1b67-422f-a9fc-7f29c681c447/Website/2618_Myers_898712-jpg.jpg",
        "licensed_states": [
          "DC",
          "DE",
          "MD",
          "NC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "heloc",
          "investor",
          "jumbo",
          "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": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-2618/gina-myers/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gina-myers-898712",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/fairfax-va-2618/gina-myers/"
      }
    },
    {
      "rank": 4,
      "score": 31,
      "loan_officer": {
        "nmls_id": 1050712,
        "slug": "fabiola-copa-montes-1050712",
        "full_name": "Fabiola Copa Montes",
        "canonical_url": "https://lendb.ai/lo/fabiola-copa-montes-1050712",
        "json_url": "https://lendb.ai/lo/fabiola-copa-montes-1050712.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Washington",
          "state": "DC"
        },
        "headshot_url": "http://a.mktgcdn.com/p/BIwNBCc0tl-Nc5mrGLZqPxUtB2ph_RA2ydEKncSItSs/695x1041.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/dc/washington/3100-14th-st-nw-hla-1050712",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Washington, DC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/fabiola-copa-montes-1050712",
      "license_check": {
        "state": "DC",
        "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": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 5,
      "score": 30,
      "loan_officer": {
        "nmls_id": 209052,
        "slug": "david-rodriguez-209052",
        "full_name": "David Rodriguez",
        "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
        "json_url": "https://lendb.ai/lo/david-rodriguez-209052.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": "Jersey Village",
          "state": "TX"
        },
        "headshot_url": null,
        "licensed_states": [
          "TX",
          "AL",
          "AR",
          "CO",
          "DC",
          "DE",
          "FL",
          "GA",
          "IA",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "NH",
          "NJ",
          "NM",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "UT",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "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": "2010-09-02",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ihmcloans.com/david-rodriguez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 2, 2010 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://ihmcloans.com/david-rodriguez/"
      }
    },
    {
      "rank": 6,
      "score": 29,
      "loan_officer": {
        "nmls_id": 1587532,
        "slug": "gustavo-gus-suarez-1587532",
        "full_name": "Gustavo \"Gus\" Suarez",
        "canonical_url": "https://lendb.ai/lo/gustavo-gus-suarez-1587532",
        "json_url": "https://lendb.ai/lo/gustavo-gus-suarez-1587532.json",
        "lender": {
          "nmls_id": 1124970,
          "name": "Buckingham Mortgage LLC",
          "slug": "buckingham-mortgage-llc-1124970",
          "canonical_url": "https://lendb.ai/lender/buckingham-mortgage-llc-1124970",
          "type": "other"
        },
        "branch": {
          "city": null,
          "state": "VA"
        },
        "headshot_url": null,
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://www.bfgusa.com/team-member/gustavo-suarez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 15 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/gustavo-gus-suarez-1587532",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.bfgusa.com/team-member/gustavo-suarez/"
      }
    },
    {
      "rank": 7,
      "score": 27.8,
      "loan_officer": {
        "nmls_id": 205466,
        "slug": "benjamin-robles-jr-205466",
        "full_name": "Benjamin Robles, Jr.",
        "canonical_url": "https://lendb.ai/lo/benjamin-robles-jr-205466",
        "json_url": "https://lendb.ai/lo/benjamin-robles-jr-205466.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "slug": "first-heritage-mortgage-86548",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/First-Heritage-Mortgage-Bethesda-Ben-Robles.png",
        "licensed_states": [
          "DE",
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va"
        ],
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        "lender_profile_url": "https://fhmtg.com/officers/benjamin-robles/",
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      },
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        "Speaks Spanish (lender page, verified 2026-10-20)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 12 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/benjamin-robles-jr-205466",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://fhmtg.com/officers/benjamin-robles/"
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      "score": 25.8,
      "loan_officer": {
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        "slug": "angela-garcia-1436145",
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            "first_name": "Angela",
            "middle_initial": null,
            "last_name": "Garcia",
            "states": [
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            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/angela-garcia-1436145",
        "json_url": "https://lendb.ai/lo/angela-garcia-1436145.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "VA"
        },
        "headshot_url": "https://thevault.ccm.com/m/1581c7a567d34132/Website-3246_Garcia_1436145.jpg",
        "licensed_states": [
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          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        ],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "heloc",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
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            "source": "HUD",
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        "earliest_license_record": {
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 5,
        "lender_profile_url": "https://crosscountrymortgage.com/reston-va-3246/angelica-garcia/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 16, 2021 (Florida), per state regulator",
        "States 5 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/angela-garcia-1436145",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://crosscountrymortgage.com/reston-va-3246/angelica-garcia/"
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      "score": 24.8,
      "loan_officer": {
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        "slug": "ryan-waters-1153538",
        "full_name": "Alex Waters",
        "canonical_url": "https://lendb.ai/lo/ryan-waters-1153538",
        "json_url": "https://lendb.ai/lo/ryan-waters-1153538.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "slug": "first-home-mortgage-71603",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
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          "state": "MD"
        },
        "headshot_url": "https://firsthome.com/wp-content/uploads/2026/03/Waters-Alex.jpg",
        "licensed_states": [
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          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
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          "pt"
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        "specialties": [],
        "lender_offers": [
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          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
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            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-02-08",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/alex-waters/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 8, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-waters-1153538",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://firsthome.com/loan-officers/alex-waters/"
      }
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      "rank": 10,
      "score": 24.8,
      "loan_officer": {
        "nmls_id": 1692530,
        "slug": "milton-zuniga-1692530",
        "full_name": "Milton Zuniga",
        "licensed_names": [
          {
            "name": "Milton Zuniga",
            "name_with_middle_initial": "Milton E. Zuniga",
            "first_name": "Milton",
            "middle_initial": "E",
            "last_name": "Zuniga",
            "states": [
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              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
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        ],
        "canonical_url": "https://lendb.ai/lo/milton-zuniga-1692530",
        "json_url": "https://lendb.ai/lo/milton-zuniga-1692530.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "slug": "alcova-mortgage-40508",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
        },
        "branch": {
          "city": "Chantilly",
          "state": "VA"
        },
        "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/milton-zuniga.png",
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
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          "bank-statement",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "reverse",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
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            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://alcova.com/loan-officer/milton/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 19, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/milton-zuniga-1692530",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://alcova.com/loan-officer/milton/"
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}