{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=MA",
  "filters": {
    "state": "MA",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 1485371,
        "slug": "sebastian-cordoba-1485371",
        "full_name": "Sebastian Cordoba",
        "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
        "json_url": "https://lendb.ai/lo/sebastian-cordoba-1485371.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": "Lexington",
          "state": "MA"
        },
        "headshot_url": "https://thevault.ccm.com/m/1381111c97b795fc/Website-4841_Cordoba_1485371.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "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",
          "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": "2026-02-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 9,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-22)",
        "Office in Lexington, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1485371), verified 2026-10-26",
        "Earliest state license record: February 2, 2026 (Florida), per state regulator",
        "States 9 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1485371), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 2,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 466531,
        "slug": "lourdes-connolly-466531",
        "full_name": "Lourdes Connolly",
        "canonical_url": "https://lendb.ai/lo/lourdes-connolly-466531",
        "json_url": "https://lendb.ai/lo/lourdes-connolly-466531.json",
        "lender": {
          "nmls_id": 449200,
          "name": "Bangor Savings Bank",
          "slug": "bangor-savings-bank-449200",
          "canonical_url": "https://lendb.ai/lender/bangor-savings-bank-449200",
          "type": "bank"
        },
        "branch": {
          "city": "Andover",
          "state": "MA"
        },
        "headshot_url": "https://www.bangor.com/getmedia/51783bfe-452c-4aa1-9f17-e5b2ceef928e/Lourdes-Connolly-370x463.png?width=370&height=463&ext=.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/lourdes-connolly/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Andover, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/lourdes-connolly-466531",
      "license_check": {
        "state": "MA",
        "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",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 1240080,
        "slug": "lucrecia-perez-1240080",
        "full_name": "Lucrecia Perez",
        "canonical_url": "https://lendb.ai/lo/lucrecia-perez-1240080",
        "json_url": "https://lendb.ai/lo/lucrecia-perez-1240080.json",
        "lender": {
          "nmls_id": 449200,
          "name": "Bangor Savings Bank",
          "slug": "bangor-savings-bank-449200",
          "canonical_url": "https://lendb.ai/lender/bangor-savings-bank-449200",
          "type": "bank"
        },
        "branch": {
          "city": "Andover",
          "state": "MA"
        },
        "headshot_url": "https://www.bangor.com/getmedia/eebd2511-0529-4a40-a116-1a6156ac277f/Lucrecia-Perez_370x463.png?width=370&height=463&ext=.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/lucrecia-perez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in Andover, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/lucrecia-perez-1240080",
      "license_check": {
        "state": "MA",
        "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",
        "source_url": null
      }
    },
    {
      "rank": 4,
      "score": 40,
      "loan_officer": {
        "nmls_id": 28520,
        "slug": "filip-j-ramil-28520",
        "full_name": "Filip J Ramil",
        "canonical_url": "https://lendb.ai/lo/filip-j-ramil-28520",
        "json_url": "https://lendb.ai/lo/filip-j-ramil-28520.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": "Dedham",
          "state": "MA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/BI-QV03L4vptoanvVv58Fv8s0oL29zgoMpj-icz42yY/834x1250.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ma/dedham/869-providence-hwy-hla-28520",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Dedham, MA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/filip-j-ramil-28520",
      "license_check": {
        "state": "MA",
        "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": 5,
      "score": 38.8,
      "loan_officer": {
        "nmls_id": 184664,
        "slug": "olga-laffitte-184664",
        "full_name": "Olga Laffitte",
        "licensed_names": [
          {
            "name": "Olga Laffitte",
            "name_with_middle_initial": "Olga M. Laffitte",
            "first_name": "Olga",
            "middle_initial": "M",
            "last_name": "Laffitte",
            "states": [
              "CT",
              "FL",
              "MA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/olga-laffitte-184664",
        "json_url": "https://lendb.ai/lo/olga-laffitte-184664.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": "Peabody",
          "state": "MA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/1fe387e0-902b-4adf-8cff-7a738d2e7521/Website/4822_Laffitte_184664.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "TX",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "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": "2021-09-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/peabody-ma-4822/olga-laffitte/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Peabody, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO184664), verified 2026-10-26",
        "Earliest state license record: September 23, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/olga-laffitte-184664",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO184664), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 6,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 2051827,
        "slug": "derick-andrade-2051827",
        "full_name": "Derick Andrade",
        "licensed_names": [
          {
            "name": "Derick Andrade",
            "name_with_middle_initial": "Derick M. Andrade",
            "first_name": "Derick",
            "middle_initial": "M",
            "last_name": "Andrade",
            "states": [
              "CT",
              "FL",
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/derick-andrade-2051827",
        "json_url": "https://lendb.ai/lo/derick-andrade-2051827.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "slug": "first-home-mortgage-71603",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Seekonk",
          "state": "MA"
        },
        "headshot_url": "https://firsthome.com/wp-content/uploads/2020/12/Derick-Andrade-1-scaled.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "jumbo",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/derick-andrade/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Seekonk, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2051827), verified 2026-10-26",
        "Earliest state license record: August 25, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/derick-andrade-2051827",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO2051827), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    },
    {
      "rank": 7,
      "score": 36.3,
      "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"
          }
        ],
        "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"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-06",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2017,
          "state": "OR"
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