{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=MO",
  "filters": {
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    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 43.5,
      "loan_officer": {
        "nmls_id": 802027,
        "slug": "eddy-gonzalez-802027",
        "full_name": "Eddy Gonzalez",
        "canonical_url": "https://lendb.ai/lo/eddy-gonzalez-802027",
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          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
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          "type": "imb"
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        "branch": {
          "city": "Weldon Spring",
          "state": "MO"
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        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnego-eddy-gonzalez.jpg",
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          "IL"
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        "licenses": [
          {
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            "confidence": "confirmed"
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          {
            "state": "MO",
            "confidence": "confirmed"
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          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
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          "vacation-home"
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          {
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            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-03-12",
          "state": "IL"
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        "licensed_since": {
          "year": 2024,
          "state": "IL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/weldonspring/eddy-gonzalez-158-cnego.html",
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        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Weldon Spring, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: March 12, 2024 (Illinois), per state regulator",
        "States 14 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/eddy-gonzalez-802027",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
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      "rank": 2,
      "score": 40.8,
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        "nmls_id": 712709,
        "slug": "norma-queiroga-712709",
        "full_name": "Norma Queiroga",
        "licensed_names": [
          {
            "name": "Maria Queiroga",
            "name_with_middle_initial": "Maria N. Queiroga",
            "first_name": "Maria",
            "middle_initial": "N",
            "last_name": "Queiroga",
            "states": [
              "IL"
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            "source": "state_regulator",
            "as_of": "2026-10-27"
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        ],
        "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709",
        "json_url": "https://lendb.ai/lo/norma-queiroga-712709.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": "Chesterfield",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnnwe-norma-queiroga.jpg",
        "licensed_states": [
          "IL",
          "MO"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "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"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-07-08",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/norma-queiroga-714-cnnwe.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Chesterfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 8, 2021 (Illinois), per state regulator",
        "States 15 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/chesterfield/norma-queiroga-714-cnnwe.html"
      }
    },
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      "rank": 3,
      "score": 38.8,
      "loan_officer": {
        "nmls_id": 1398837,
        "slug": "kathleen-spies-1398837",
        "full_name": "Kathleen Spies",
        "canonical_url": "https://lendb.ai/lo/kathleen-spies-1398837",
        "json_url": "https://lendb.ai/lo/kathleen-spies-1398837.json",
        "lender": {
          "nmls_id": 411170,
          "name": "First Mid Bank & Trust",
          "slug": "first-mid-bank-trust-411170",
          "canonical_url": "https://lendb.ai/lender/first-mid-bank-trust-411170",
          "type": "bank"
        },
        "branch": {
          "city": "St Louis",
          "state": "MO"
        },
        "headshot_url": "https://www.firstmid.com/assets/files/LYjlf0PN/SpiesK_2023_275x360.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://www.firstmid.com/staff/kathleen-spies",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-16)",
        "Office in St Louis, MO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 15 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-spies-1398837",
      "license_check": {
        "state": "MO",
        "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
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    },
    {
      "rank": 4,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 2461052,
        "slug": "brenda-carachure-2461052",
        "full_name": "Brenda Carachure",
        "licensed_names": [
          {
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            "name_with_middle_initial": "Brenda D. Carachure",
            "first_name": "Brenda",
            "middle_initial": "D",
            "last_name": "Carachure",
            "states": [
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
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        ],
        "canonical_url": "https://lendb.ai/lo/brenda-carachure-2461052",
        "json_url": "https://lendb.ai/lo/brenda-carachure-2461052.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": "Weldon Spring",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnbca-brenda-carachure.jpg",
        "licensed_states": [
          "MO",
          "IL"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "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"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-05-26",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/weldonspring/brenda-carachure-158-cnbca.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Weldon Spring, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: May 26, 2026 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/brenda-carachure-2461052",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
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    {
      "rank": 5,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 2626401,
        "slug": "gabriela-verdugo-2626401",
        "full_name": "Gabriela Verdugo",
        "canonical_url": "https://lendb.ai/lo/gabriela-verdugo-2626401",
        "json_url": "https://lendb.ai/lo/gabriela-verdugo-2626401.json",
        "lender": {
          "nmls_id": 138063,
          "name": "Gershman Investment Corp.",
          "slug": "gershman-investment-corp-138063",
          "canonical_url": "https://lendb.ai/lender/gershman-investment-corp-138063",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
        },
        "headshot_url": "https://www.gershman.com/wp-content/uploads/2025/03/Gabriela-Verdugo-e1757513962894-500x383.jpg",
        "licensed_states": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "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://www.gershman.com/loan-officers/gabriela-verdugo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "Office in Springfield, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriela-verdugo-2626401",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      }
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    {
      "rank": 6,
      "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": [
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              "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"
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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)",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "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": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      }
    },
    {
      "rank": 7,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 2708162,
        "slug": "alvaro-molina-2708162",
        "full_name": "Alvaro Molina",
        "licensed_names": [
          {
            "name": "Alvaro Molina",
            "name_with_middle_initial": "Alvaro J. Molina",
            "first_name": "Alvaro",
            "middle_initial": "J",
            "last_name": "Molina",
            "states": [
              "IA",
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/alvaro-molina-2708162",
        "json_url": "https://lendb.ai/lo/alvaro-molina-2708162.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": "Chesterfield",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnamo-alvaro-molina.jpg",
        "licensed_states": [
          "MO",
          "IA",
          "IL"
        ],
        "licenses": [
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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          "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": "2025-11-03",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/alvaro-molina-558-cnamo.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Chesterfield, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: November 3, 2025 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/alvaro-molina-2708162",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
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