{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=ID",
  "filters": {
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    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 3773,
        "slug": "william-zimmerman-3773",
        "full_name": "Bill Zimmerman",
        "licensed_names": [
          {
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            "middle_initial": "E",
            "last_name": "Zimmerman",
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              "OR",
              "TX",
              "WY"
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            "source": "state_regulator",
            "as_of": "2026-10-27"
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          "name": "Summit Mortgage Corporation",
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          "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041",
          "type": "other"
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        "branch": {
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          "state": "ID"
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        "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/Bill-Zimmerman_Email-Signature-Photo2-1-400x396.png",
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          "AZ",
          "CA",
          "ID",
          "MT",
          "OR",
          "UT",
          "WA",
          "WY"
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            "state": "AZ",
            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [
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          "es"
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        "lender_offers": [
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          "fha",
          "jumbo",
          "usda",
          "va"
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            "source": "HUD",
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        "earliest_license_record": {
          "date": "2012-03-05",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2012,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/bill-zimmerman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Boise, ID",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 5, 2012 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/william-zimmerman-3773",
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        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.summit-mortgage.com/loan-officer/bill-zimmerman/"
      }
    },
    {
      "rank": 2,
      "score": 33.3,
      "loan_officer": {
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        "slug": "john-harrison-310820",
        "full_name": "John Harrison",
        "licensed_names": [
          {
            "name": "John Harrison",
            "name_with_middle_initial": "John A. Harrison",
            "first_name": "John",
            "middle_initial": "A",
            "last_name": "Harrison",
            "states": [
              "FL",
              "MD"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/john-harrison-310820",
        "json_url": "https://lendb.ai/lo/john-harrison-310820.json",
        "lender": {
          "nmls_id": 1598647,
          "name": "Guaranteed Rate Affinity, LLC",
          "slug": "guaranteed-rate-affinity-llc-1598647",
          "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647",
          "type": "imb"
        },
        "branch": {
          "city": "Murray",
          "state": "UT"
        },
        "headshot_url": "https://a.mktgcdn.com/p/wVyuj6ORkIh64514jj-2iiuDlcYYK4kQQMwNvWELuOw/191x275.jpg",
        "licensed_states": [
          "FL",
          "AK",
          "ID",
          "MD",
          "NC",
          "TN",
          "UT",
          "VA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-06-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 29,
        "lender_profile_url": "https://www.grarate.com/loan-officers/john-harrison-310820",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 3, 2026 (Florida), per state regulator",
        "States 29 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-harrison-310820",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.grarate.com/loan-officers/john-harrison-310820"
      }
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      "rank": 3,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 1398321,
        "slug": "christina-mccollum-1398321",
        "full_name": "Christina McCollum",
        "licensed_names": [
          {
            "name": "Christina McCollum",
            "name_with_middle_initial": "Christina R. McCollum",
            "first_name": "Christina",
            "middle_initial": "R",
            "last_name": "McCollum",
            "states": [
              "CA",
              "FL",
              "MA",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321",
        "json_url": "https://lendb.ai/lo/christina-mccollum-1398321.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "slug": "churchill-mortgage-1591",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Kennewick",
          "state": "WA"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Christina%20McCollum3.jpeg",
        "licensed_states": [
          "FL",
          "MO",
          "TX",
          "AK",
          "AL",
          "AZ",
          "CA",
          "GA",
          "ID",
          "IL",
          "MA",
          "MI",
          "MT",
          "NC",
          "NE",
          "OH",
          "OR",
          "SC",
          "TN",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "1099-income",
          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "multi-family-2-4",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-06",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2017,
          "state": "OR"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 6, 2017 (Oregon), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum"
      }
    },
    {
      "rank": 4,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 453621,
        "slug": "marco-guerra-453621",
        "full_name": "Marco Guerra",
        "licensed_names": [
          {
            "name": "Marco Guerra",
            "name_with_middle_initial": "Marco A. Guerra",
            "first_name": "Marco",
            "middle_initial": "A",
            "last_name": "Guerra",
            "states": [
              "AR",
              "CA",
              "DE",
              "FL",
              "MO",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/marco-guerra-453621",
        "json_url": "https://lendb.ai/lo/marco-guerra-453621.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Santa Rosa",
          "state": "CA"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ckmgu-marco-guerra.jpg",
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "DE",
          "GA",
          "ID",
          "IL",
          "KY",
          "LA",
          "MO",
          "TX",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-12-08",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2014,
          "state": "CA"
        },
        "years_experience": 32,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/santarosa/marco-guerra-440-ckmgu.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 8, 2014 (California), per state regulator",
        "States 32 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/marco-guerra-453621",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://branches.guildmortgage.com/ca/santarosa/marco-guerra-440-ckmgu.html"
      }
    },
    {
      "rank": 5,
      "score": 32.5,
      "loan_officer": {
        "nmls_id": 1429849,
        "slug": "emily-green-1429849",
        "full_name": "Emily Green",
        "licensed_names": [
          {
            "name": "Emily Green",
            "name_with_middle_initial": "Emily M. Green",
            "first_name": "Emily",
            "middle_initial": "M",
            "last_name": "Green",
            "states": [
              "CA",
              "FL",
              "MO",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/emily-green-1429849",
        "json_url": "https://lendb.ai/lo/emily-green-1429849.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "slug": "churchill-mortgage-1591",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Meridian",
          "state": "ID"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Emily%20Green1-1.jpeg",
        "licensed_states": [
          "FL",
          "MO",
          "TX",
          "AZ",
          "CA",
          "ID",
          "NM",
          "NV",
          "OR",
          "TN",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "1099-income",
          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "multi-family-2-4",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-01-02",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2025,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/emily-green",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Meridian, ID",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 2, 2025 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/emily-green-1429849",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.churchillmortgage.com/loan-officers/emily-green"
      }
    },
    {
      "rank": 6,
      "score": 32.3,
      "loan_officer": {
        "nmls_id": 268654,
        "slug": "jeremy-coccimiglio-268654",
        "full_name": "Jeremy Coccimiglio",
        "licensed_names": [
          {
            "name": "Jeremy Coccimiglio",
            "name_with_middle_initial": "Jeremy M. Coccimiglio",
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