{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=GA",
  "filters": {
    "state": "GA",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 42,
      "loan_officer": {
        "nmls_id": 450799,
        "slug": "adair-martin-450799",
        "full_name": "Adair Martin",
        "licensed_names": [
          {
            "name": "Adair Martin",
            "name_with_middle_initial": "Adair A. Martin",
            "first_name": "Adair",
            "middle_initial": "A",
            "last_name": "Martin",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/adair-martin-450799",
        "json_url": "https://lendb.ai/lo/adair-martin-450799.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Duluth",
          "state": "GA"
        },
        "headshot_url": null,
        "licensed_states": [
          "GA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-07-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 28,
        "lender_profile_url": "https://www.apmortgage.com/adair-martin",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Duluth, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 10, 2018 (Florida), per state regulator",
        "States 28 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/adair-martin-450799",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.apmortgage.com/adair-martin"
      }
    },
    {
      "rank": 2,
      "score": 41,
      "loan_officer": {
        "nmls_id": 625639,
        "slug": "veronica-pitts-625639",
        "full_name": "Veronica Pitts",
        "canonical_url": "https://lendb.ai/lo/veronica-pitts-625639",
        "json_url": "https://lendb.ai/lo/veronica-pitts-625639.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": "Marietta",
          "state": "GA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/k4QZTDTupgJJaueEaG-Km9_PbHqrT99VIgFxXrdEzXQ/427x640.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "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": "2021-02-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ga/marietta/2989-delk-rd-se-hla-625639",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Marietta, GA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 19, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/veronica-pitts-625639",
      "license_check": {
        "state": "GA",
        "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 215540,
        "slug": "patricia-boezio-215540",
        "full_name": "Patricia Boezio",
        "licensed_names": [
          {
            "name": "Patricia Boezio",
            "name_with_middle_initial": "Patricia E. Boezio",
            "first_name": "Patricia",
            "middle_initial": "E",
            "last_name": "Boezio",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/patricia-boezio-215540",
        "json_url": "https://lendb.ai/lo/patricia-boezio-215540.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": "Alpharetta",
          "state": "GA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/55ee9224-789e-471c-af42-eac0b1be704e/Website/5089_Boezio_215540.jpg",
        "licensed_states": [
          "FL",
          "GA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-05-24",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/alpharetta-ga-5089/patricia-boezio/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Alpharetta, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 24, 2017 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/patricia-boezio-215540",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/alpharetta-ga-5089/patricia-boezio/"
      }
    },
    {
      "rank": 4,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 1365534,
        "slug": "daleydis-calvo-terry-1365534",
        "full_name": "Daleydis Calvo",
        "licensed_names": [
          {
            "name": "Daleydis Calvo - Terry",
            "name_with_middle_initial": null,
            "first_name": "Daleydis",
            "middle_initial": null,
            "last_name": "Calvo - Terry",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/daleydis-calvo-terry-1365534",
        "json_url": "https://lendb.ai/lo/daleydis-calvo-terry-1365534.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": "Duluth",
          "state": "GA"
        },
        "headshot_url": "https://thevault.ccm.com/m/2cc7909fcf6090f4/Website-3965_Calvo_.jpg",
        "licensed_states": [
          "FL",
          "GA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "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": "refinance",
            "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",
          "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": "2020-03-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/duluth-ga-3965/daleydis-calvo-terry/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Duluth, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 5, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/daleydis-calvo-terry-1365534",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/duluth-ga-3965/daleydis-calvo-terry/"
      }
    },
    {
      "rank": 5,
      "score": 36,
      "loan_officer": {
        "nmls_id": 216609,
        "slug": "ana-campa-216609",
        "full_name": "Ana Campa",
        "licensed_names": [
          {
            "name": "Ana Campa",
            "name_with_middle_initial": "Ana R. Campa",
            "first_name": "Ana",
            "middle_initial": "R",
            "last_name": "Campa",
            "states": [
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/ana-campa-216609",
        "json_url": "https://lendb.ai/lo/ana-campa-216609.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Gainesville",
          "state": "GA"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL",
          "TX",
          "AL",
          "CA",
          "GA",
          "NC",
          "SC",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-06-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/ana-campa",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Gainesville, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 18, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ana-campa-216609",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.apmortgage.com/ana-campa"
      }
    },
    {
      "rank": 6,
      "score": 35.8,
      "loan_officer": {
        "nmls_id": 1666390,
        "slug": "nicaudy-lopez-1666390",
        "full_name": "Nicky Lopez",
        "canonical_url": "https://lendb.ai/lo/nicaudy-lopez-1666390",
        "json_url": "https://lendb.ai/lo/nicaudy-lopez-1666390.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": "Duluth",
          "state": "GA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/6089accc-a562-4abb-a366-6522db35a525/Website/3965_Lopez_1666390.jpg",
        "licensed_states": [
          "FL",
          "GA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "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",
          "investor",
          "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": "2021-12-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/duluth-ga-3965/nicaudy-lopez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Duluth, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 9, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/nicaudy-lopez-1666390",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/duluth-ga-3965/nicaudy-lopez/"
      }
    },
    {
      "rank": 7,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 2316586,
        "slug": "gustavo-hidalgo-2316586",
        "full_name": "Gustavo Hidalgo",
        "licensed_names": [
          {
            "name": "Gustavo Hidalgo Cuervo",
            "name_with_middle_initial": "Gustavo D. Hidalgo Cuervo",
            "first_name": "Gustavo",
            "middle_initial": "D",
            "last_name": "Hidalgo Cuervo",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/gustavo-hidalgo-2316586",
        "json_url": "https://lendb.ai/lo/gustavo-hidalgo-2316586.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": "Norcross",
          "state": "GA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/iyZKUCUEt2Awxhbl-kQsZZClT-m5JlwPo271Bt_KoTiLXcidKN_vk9hyAc1I_8RwwbdZ56c86sDzQVWpH1VjcUKbJmL_KngMaVA",
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-02-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/gustavo-hidalgo-2316586",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Norcross, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 10, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/gustavo-hidalgo-2316586",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/gustavo-hidalgo-2316586"
      }
    },
    {
      "rank": 8,
      "score": 33.5,
      "loan_officer": {
        "nmls_id": 2637222,
        "slug": "gabriela-medina-2637222",
        "full_name": "Gabriela Medina",
        "canonical_url": "https://lendb.ai/lo/gabriela-medina-2637222",
        "json_url": "https://lendb.ai/lo/gabriela-medina-2637222.json",
        "lender": {
          "nmls_id": 61602,
          "name": "Mortgage Solutions of Colorado, LLC",
          "slug": "mortgage-solutions-of-colorado-llc-61602",
          "canonical_url": "https://lendb.ai/lender/mortgage-solutions-of-colorado-llc-61602",
          "type": "imb"
        },
        "branch": {
          "city": "Atlanta",
          "state": "GA"
        },
        "headshot_url": "https://mortgagesolutions.net/wp-content/uploads/2026/01/gabriela-medina-msf-headshot.jpeg",
        "licensed_states": [
          "GA"
        ],
        "licenses": [
          {
            "state": "GA",
            "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgagesolutions.net/loan-officers/gabriela-medina/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Atlanta, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriela-medina-2637222",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://mortgagesolutions.net/loan-officers/gabriela-medina/"
      }
    },
    {
      "rank": 9,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 257511,
        "slug": "diego-luque-257511",
        "full_name": "Diego Luque",
        "licensed_names": [
          {
            "name": "Diego Luque",
            "name_with_middle_initial": "Diego A. Luque",
            "first_name": "Diego",
            "middle_initial": "A",
            "last_name": "Luque",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/diego-luque-257511",
        "json_url": "https://lendb.ai/lo/diego-luque-257511.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Smyrna",
          "state": "GA"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-02-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/diego-luque",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Smyrna, GA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 9, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/diego-luque-257511",
      "license_check": {
        "state": "GA",
        "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": "2026-10-19",
        "source_url": null
      }
    },
    {
      "rank": 10,
      "score": 33.3,
      "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)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/tequesta-fl-3939/luis-kercado/"
      }
    }
  ]
}