{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=FL",
  "filters": {
    "state": "FL",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 184529,
        "slug": "anthony-strickland-184529",
        "full_name": "Anthony Strickland",
        "licensed_names": [
          {
            "name": "Anthony Strickland",
            "name_with_middle_initial": "Anthony F. Strickland",
            "first_name": "Anthony",
            "middle_initial": "F",
            "last_name": "Strickland",
            "states": [
              "FL",
              "MD",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/anthony-strickland-184529",
        "json_url": "https://lendb.ai/lo/anthony-strickland-184529.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": "Orlando",
          "state": "FL"
        },
        "headshot_url": "https://thevault.ccm.com/asset/a94b3b39-5861-4786-aba2-bdc04e426616/Website/4323_Strickland_184529.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "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": "2023-06-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/orlando-fl-4323/anthony-strickland/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Orlando, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO121061), verified 2026-10-15",
        "Earliest state license record: June 26, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-strickland-184529",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO121061), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip"
      }
    },
    {
      "rank": 2,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 327111,
        "slug": "george-voukitchevitch-327111",
        "full_name": "George Voukitchevitch",
        "licensed_names": [
          {
            "name": "George Voukitchevitch",
            "name_with_middle_initial": "George M. Voukitchevitch",
            "first_name": "George",
            "middle_initial": "M",
            "last_name": "Voukitchevitch",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/george-voukitchevitch-327111",
        "json_url": "https://lendb.ai/lo/george-voukitchevitch-327111.json",
        "lender": {
          "nmls_id": 3116,
          "name": "SecurityNational Mortgage Company",
          "slug": "securitynational-mortgage-company-3116",
          "canonical_url": "https://lendb.ai/lender/securitynational-mortgage-company-3116",
          "type": "imb"
        },
        "branch": {
          "city": "Ft. Myers",
          "state": "FL"
        },
        "headshot_url": "https://rstatic.mortgage.snmc.com/locations/2257029_5001853_George_Voukitchevitch_Headshot_2026.png",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "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": "2011-04-24",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://mortgage.snmc.com/fl/ft-myers/george-voukitchevitch-327111.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Ft. Myers, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO5821), verified 2026-10-15",
        "Earliest state license record: April 24, 2011 (Florida), per state regulator",
        "States 23 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-voukitchevitch-327111",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO5821), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip"
      }
    },
    {
      "rank": 3,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 661857,
        "slug": "luis-kercado-661857",
        "full_name": "Luis Kercado",
        "licensed_names": [
          {
            "name": "Luis Kercado",
            "name_with_middle_initial": "Luis E. Kercado",
            "first_name": "Luis",
            "middle_initial": "E",
            "last_name": "Kercado",
            "states": [
              "CO",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/luis-kercado-661857",
        "json_url": "https://lendb.ai/lo/luis-kercado-661857.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": "Tequesta",
          "state": "FL"
        },
        "headshot_url": "https://thevault.ccm.com/m/41c330a941961eee/Website-3939_Kercado_661857.jpg",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "WI",
          "GA",
          "KY",
          "MS",
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "first-time-buyer",
          "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": "2025-01-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2025,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Tequesta, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO136368), verified 2026-10-15",
        "Earliest state license record: January 22, 2025 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/luis-kercado-661857",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO136368), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      }
    },
    {
      "rank": 4,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 1013615,
        "slug": "susan-lazcano-1013615",
        "full_name": "Susan Lazcano",
        "canonical_url": "https://lendb.ai/lo/susan-lazcano-1013615",
        "json_url": "https://lendb.ai/lo/susan-lazcano-1013615.json",
        "lender": {
          "nmls_id": 1041,
          "name": "Summit Mortgage Corporation",
          "slug": "summit-mortgage-corporation-1041",
          "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041",
          "type": "other"
        },
        "branch": {
          "city": "Jacksonville",
          "state": "FL"
        },
        "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/S_LazcanoC-1-400x400.png",
        "licensed_states": [
          "FL",
          "GA",
          "SC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-05-04",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2015,
          "state": "IA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/susan-lazcano/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Jacksonville, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO45856), verified 2026-10-15",
        "Earliest state license record: May 4, 2015 (Iowa), per state regulator",
        "States 20 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-lazcano-1013615",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO45856), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      }
    },
    {
      "rank": 5,
      "score": 46,
      "loan_officer": {
        "nmls_id": 357522,
        "slug": "rick-almeida-357522",
        "full_name": "Rick Almeida",
        "canonical_url": "https://lendb.ai/lo/rick-almeida-357522",
        "json_url": "https://lendb.ai/lo/rick-almeida-357522.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": "Miami",
          "state": "FL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/8SLpDvec9WDGWe_OiqjMbQ40M836s2y9bPDaDkqWGxQ/834x1250.jpg",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-03-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/miami/1450-brickell-ave-hla-357522",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Miami, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO3911), verified 2026-10-15",
        "Earliest state license record: March 15, 2011 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/rick-almeida-357522",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO3911), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    },
    {
      "rank": 6,
      "score": 46,
      "loan_officer": {
        "nmls_id": 598891,
        "slug": "jorge-l-corrales-rodriguez-598891",
        "full_name": "Jorge L Corrales Rodriguez",
        "canonical_url": "https://lendb.ai/lo/jorge-l-corrales-rodriguez-598891",
        "json_url": "https://lendb.ai/lo/jorge-l-corrales-rodriguez-598891.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": "Miami",
          "state": "FL"
        },
        "headshot_url": "http://a.mktgcdn.com/p/I7F-1HmTEmonslnn3kxpD_Nf0cF3mGgc-AijSg0XHIU/435x652.jpg",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://homelendingadvisor.chase.com/fl/miami/6800-biscayne-blvd-hla-598891",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Miami, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO40478), verified 2026-10-15",
        "Earliest state license record: February 28, 2017 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jorge-l-corrales-rodriguez-598891",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO40478), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    },
    {
      "rank": 7,
      "score": 46,
      "loan_officer": {
        "nmls_id": 815948,
        "slug": "charles-figueroa-815948",
        "full_name": "Charles Figueroa",
        "licensed_names": [
          {
            "name": "Charles Figueroa",
            "name_with_middle_initial": "Charles J. Figueroa",
            "first_name": "Charles",
            "middle_initial": "J",
            "last_name": "Figueroa",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/charles-figueroa-815948",
        "json_url": "https://lendb.ai/lo/charles-figueroa-815948.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/9qQo1hT8Tw_Tn1mOD4Gi-dXl4-1dQ4nybTsNDdwDzMK2MheCvr3mLU0T8nC09AdeHZ8x56ALoKvJf_e4vc3RyVO-_DRZ-0uNCGzS",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-11-27",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/charles-figueroa-815948",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO57738), verified 2026-10-15",
        "Earliest state license record: November 27, 2018 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-figueroa-815948",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO57738), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    },
    {
      "rank": 8,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 281968,
        "slug": "javier-noriega-281968",
        "full_name": "Javier Noriega",
        "licensed_names": [
          {
            "name": "Javier Noriega",
            "name_with_middle_initial": "Javier M. Noriega",
            "first_name": "Javier",
            "middle_initial": "M",
            "last_name": "Noriega",
            "states": [
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/javier-noriega-281968",
        "json_url": "https://lendb.ai/lo/javier-noriega-281968.json",
        "lender": {
          "nmls_id": 133739,
          "name": "Panorama Mortgage Group, LLC",
          "slug": "panorama-mortgage-group-llc-133739",
          "canonical_url": "https://lendb.ai/lender/panorama-mortgage-group-llc-133739",
          "type": "imb"
        },
        "branch": {
          "city": "Miami",
          "state": "FL"
        },
        "headshot_url": "https://cdn.prod.website-files.com/643efd2c8341bea331c4cfc8/659da10a8d6623e9284e57f8_656e6d76cf4f0d3c03c45026_Javier%2520Noriega%2520-%2520sq.png",
        "licensed_states": [
          "FL",
          "TX",
          "CA",
          "IL"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "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": "2010-12-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2010,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.simplypmg.net/loan-originators/javier-noriega",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Miami, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO545), verified 2026-10-15",
        "Earliest state license record: December 6, 2010 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/javier-noriega-281968",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO545), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      }
    },
    {
      "rank": 9,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 371886,
        "slug": "tanya-bonilla-371886",
        "full_name": "Tanya Bonilla",
        "canonical_url": "https://lendb.ai/lo/tanya-bonilla-371886",
        "json_url": "https://lendb.ai/lo/tanya-bonilla-371886.json",
        "lender": {
          "nmls_id": 3116,
          "name": "SecurityNational Mortgage Company",
          "slug": "securitynational-mortgage-company-3116",
          "canonical_url": "https://lendb.ai/lender/securitynational-mortgage-company-3116",
          "type": "imb"
        },
        "branch": {
          "city": "Ft. Myers",
          "state": "FL"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "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": "2016-12-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2016,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://mortgage.snmc.com/fl/ft-myers/tanya-bonilla-371886.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Ft. Myers, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO37902), verified 2026-10-15",
        "Earliest state license record: December 15, 2016 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/tanya-bonilla-371886",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO37902), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    },
    {
      "rank": 10,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 1642036,
        "slug": "luciano-defranca-1642036",
        "full_name": "Luciano DeFranca",
        "licensed_names": [
          {
            "name": "Luciano Defranca",
            "name_with_middle_initial": "Luciano G. Defranca",
            "first_name": "Luciano",
            "middle_initial": "G",
            "last_name": "Defranca",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/luciano-defranca-1642036",
        "json_url": "https://lendb.ai/lo/luciano-defranca-1642036.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "headshot_url": "https://lh3.googleusercontent.com/AUdz_-D75ZdfOz_ClmQaUtlPCsZEZX_GRLwCdnhNxeeXNvVKKoRf_MFGQwFGjYEeEnIJCWHzW2Rh_YDMdcY8h8P7tux4ezu9dVoTxw",
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-07-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/luciano-defranca-1642036",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Florida",
        "Licensed in FL: confirmed with the Florida regulator (license LO45044), verified 2026-10-15",
        "Earliest state license record: July 11, 2017 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/luciano-defranca-1642036",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO45044), verified 2026-10-15",
        "verified_at": "2026-10-15",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      }
    }
  ]
}