{
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    {
      "rank": 1,
      "score": 30.8,
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        "nmls_id": 507517,
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        "full_name": "Erik Patten",
        "licensed_names": [
          {
            "name": "Erik Patten",
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            "first_name": "Erik",
            "middle_initial": "J",
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              "FL",
              "IA",
              "OR",
              "TX",
              "WY"
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        ],
        "canonical_url": "https://lendb.ai/lo/erik-patten-507517",
        "json_url": "https://lendb.ai/lo/erik-patten-507517.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hpep-erik-patten.jpg",
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          "TX",
          "CA",
          "IA",
          "OR",
          "KS",
          "MN",
          "OK",
          "WY"
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          {
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "state": "KS",
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        "specialties": [
          {
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          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
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        "licensed_since": {
          "year": 2017,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/boulder/erik-patten-852-hpep.html",
        "disciplinary_check": "not_checked"
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        "Speaks Spanish (lender page, verified 2026-10-26)",
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        "Earliest state license record: August 24, 2017 (Colorado), per state regulator"
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        "state": "IA",
        "confidence": "confirmed",
        "eligible": true,
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        "verified_at": "2026-10-20",
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      "rank": 2,
      "score": 30,
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        "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",
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          "canonical_url": "https://lendb.ai/lender/integrity-home-mortgage-corporation-208516",
          "type": "imb"
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        "branch": {
          "city": "Jersey Village",
          "state": "TX"
        },
        "headshot_url": null,
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          "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"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "lender_reported"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "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"
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            "as_of": "2026-08"
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          "date": "2010-09-02",
          "state": "TX"
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        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ihmcloans.com/david-rodriguez/",
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      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "IA 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"
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        "eligible": true,
        "label": "IA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://ihmcloans.com/david-rodriguez/"
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            "last_name": "Leaman",
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              "LA",
              "MD",
              "TX"
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            "as_of": "2026-10-26"
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        "canonical_url": "https://lendb.ai/lo/max-leaman-151263",
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        "lender": {
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          "type": "imb"
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        "branch": {
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          "state": "TX"
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          "AR",
          "CO",
          "LA",
          "TX",
          "IA",
          "AL",
          "GA",
          "KY",
          "MD",
          "MI",
          "MS",
          "NM",
          "OK",
          "TN",
          "VA",
          "WA",
          "CA",
          "IL"
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        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
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            "state": "NM",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        "earliest_license_record": {
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          "state": "TX"
        },
        "licensed_since": {
          "year": 2017,
          "state": "TX"
        },
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        "lender_profile_url": "https://loanpeople.com/loan-officers/max-leaman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Licensed in IA: confirmed with the Iowa regulator (license 58327), verified 2026-10-20",
        "Earliest state license record: December 11, 2017 (Texas), per state regulator"
      ],
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        "confidence": "confirmed",
        "eligible": true,
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        "verified_at": "2026-10-20",
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            "middle_initial": "C",
            "last_name": "Fontes",
            "states": [
              "IA"
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            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/celina-fontes-402103",
        "json_url": "https://lendb.ai/lo/celina-fontes-402103.json",
        "lender": {
          "nmls_id": 466077,
          "name": "Charter West Bank",
          "slug": "charter-west-bank-466077",
          "canonical_url": "https://lendb.ai/lender/charter-west-bank-466077",
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        "branch": {
          "city": "Omaha",
          "state": "NE"
        },
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        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
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        "lender_offers": [],
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        "earliest_license_record": {
          "date": "2014-10-24",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2014,
          "state": "IA"
        },
        "years_experience": 13,
        "lender_profile_url": "https://www.charterwest.com/mortgage-officers/celina-fontes/",
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        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: October 24, 2014 (Iowa), per state regulator",
        "States 13 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/celina-fontes-402103",
      "license_check": {
        "state": "IA",
        "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": "2026-10-16",
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}