{
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        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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            "evidence": "lender_page_text"
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        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
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        "Earliest state license record: June 15, 2009 (Illinois), per state regulator",
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        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "lender_profile_url": "https://www.barrettfinancial.com/mproenza",
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        "States 18 years of experience (lender page, 2026-10-20)"
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        "lender": {
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          "name": "Loan Factory",
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          "type": "broker"
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        "branch": {
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          {
            "state": "NC",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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        "languages": [
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        "earliest_license_record": {
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        "licensed_since": {
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        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/francisco-javier-ramirez-2462174",
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        "Earliest state license record: April 24, 2023 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 31,
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        "lender": {
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        "branch": {
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          "state": "IN"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/in/fort-wayne/6225-stellhorn-rd-hla-1357323",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/karen-konger-1357323",
      "license_check": {
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        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 10,
      "score": 29.3,
      "loan_officer": {
        "nmls_id": 983144,
        "slug": "oscar-padilla-983144",
        "full_name": "Oscar Padilla",
        "canonical_url": "https://lendb.ai/lo/oscar-padilla-983144",
        "json_url": "https://lendb.ai/lo/oscar-padilla-983144.json",
        "lender": {
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          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
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          "state": "IL"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_14909_Oscar_Padilla",
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          "investor",
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          "reverse",
          "usda",
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            "source": "HUD",
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        "earliest_license_record": {
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          "state": "IL"
        },
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          "state": "IL"
        },
        "years_experience": 12,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/oscar-padilla",
        "disciplinary_check": "not_checked"
      },
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        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 5, 2023 (Illinois), per state regulator",
        "States 12 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/oscar-padilla-983144",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.cmghomeloans.com/mysite/oscar-padilla"
      }
    }
  ]
}