{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=NC",
  "filters": {
    "state": "NC",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 38,
      "loan_officer": {
        "nmls_id": 851891,
        "slug": "andy-garcia-851891",
        "full_name": "Andy Garcia",
        "canonical_url": "https://lendb.ai/lo/andy-garcia-851891",
        "json_url": "https://lendb.ai/lo/andy-garcia-851891.json",
        "lender": {
          "nmls_id": 512138,
          "name": "TowneBank Mortgage",
          "slug": "townebank-mortgage-512138",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
          "type": "bank"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "headshot_url": "https://townebankmortgage.com/getattachment/4556443e-4049-4dac-965a-ba5708e506ce/Andy-Garcia_TowneBank-Mortgage.jpg?lang=en-US&ext=.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "condo",
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "usda",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://townebankmortgage.com/officers/andy-garcia/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Charlotte, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 15 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/andy-garcia-851891",
      "license_check": {
        "state": "NC",
        "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": "2026-10-20",
        "source_url": null
      }
    },
    {
      "rank": 2,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 1251455,
        "slug": "gustavo-castillo-1251455",
        "full_name": "Gustavo Castillo",
        "licensed_names": [
          {
            "name": "Gustavo Castillo",
            "name_with_middle_initial": "Gustavo A. Castillo",
            "first_name": "Gustavo",
            "middle_initial": "A",
            "last_name": "Castillo",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/gustavo-castillo-1251455",
        "json_url": "https://lendb.ai/lo/gustavo-castillo-1251455.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "slug": "alcova-mortgage-40508",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "headshot_url": "https://alcova.com/wp-content/uploads/2026/09/gustavo-castillo.png",
        "licensed_states": [
          "FL",
          "NC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "1099-income",
          "bank-statement",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "reverse",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-04-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2016,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://alcova.com/loan-officer/gustavo-castillo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Charlotte, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 6, 2016 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/gustavo-castillo-1251455",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://alcova.com/loan-officer/gustavo-castillo/"
      }
    },
    {
      "rank": 3,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 437553,
        "slug": "jessica-belmontes-437553",
        "full_name": "Jessica Belmontes",
        "licensed_names": [
          {
            "name": "Jessica Belmontes",
            "name_with_middle_initial": "Jessica L. Belmontes",
            "first_name": "Jessica",
            "middle_initial": "L",
            "last_name": "Belmontes",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jessica-belmontes-437553",
        "json_url": "https://lendb.ai/lo/jessica-belmontes-437553.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": "Raleigh",
          "state": "NC"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/tnjbe-jessica-belmontes.jpg",
        "licensed_states": [
          "FL",
          "IL",
          "MI",
          "NC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          }
        ],
        "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": "2018-06-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nc/raleigh/jessica-belmontes-56-tnjbe.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Raleigh, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 19, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-belmontes-437553",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/nc/raleigh/jessica-belmontes-56-tnjbe.html"
      }
    },
    {
      "rank": 4,
      "score": 35.3,
      "loan_officer": {
        "nmls_id": 1997670,
        "slug": "nicolas-rios-1997670",
        "full_name": "Nick Rios",
        "canonical_url": "https://lendb.ai/lo/nicolas-rios-1997670",
        "json_url": "https://lendb.ai/lo/nicolas-rios-1997670.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": "Wilmington",
          "state": "NC"
        },
        "headshot_url": "https://thevault.ccm.com/asset/efffb223-ac11-4506-9008-1bb70abe2f07/Website/3933_Rios_1997670.jpg",
        "licensed_states": [
          "NC",
          "PA",
          "SC"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "dscr",
          "fha",
          "heloc",
          "investor",
          "jumbo",
          "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": "2022-11-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Wilmington, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 3, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/nicolas-rios-1997670",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/"
      }
    },
    {
      "rank": 5,
      "score": 35,
      "loan_officer": {
        "nmls_id": 1918315,
        "slug": "denise-medina-1918315",
        "full_name": "Denise Medina",
        "licensed_names": [
          {
            "name": "Denise Medina",
            "name_with_middle_initial": "Denise G. Medina",
            "first_name": "Denise",
            "middle_initial": "G",
            "last_name": "Medina",
            "states": [
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/denise-medina-1918315",
        "json_url": "https://lendb.ai/lo/denise-medina-1918315.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "slug": "union-home-mortgage-2229",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Fayetteville",
          "state": "NC"
        },
        "headshot_url": "https://www.uhm.com/media/4961/denise-headshot-dec-2025.jpg",
        "licensed_states": [
          "TX",
          "NC",
          "TN"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "bank-statement",
          "construction",
          "fha",
          "heloc",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/denise-medina/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-14)",
        "Office in Fayetteville, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 16, 2023 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-medina-1918315",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-14",
        "source_url": "https://www.uhm.com/loan-officers/denise-medina/"
      }
    },
    {
      "rank": 6,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 206531,
        "slug": "jorge-posada-206531",
        "full_name": "Jorge Posada",
        "licensed_names": [
          {
            "name": "Jorge Posada",
            "name_with_middle_initial": "Jorge F. Posada",
            "first_name": "Jorge",
            "middle_initial": "F",
            "last_name": "Posada",
            "states": [
              "FL",
              "MD",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
        "json_url": "https://lendb.ai/lo/jorge-posada-206531.json",
        "lender": {
          "nmls_id": 113054,
          "name": "The Mortgage Link, Inc.",
          "slug": "the-mortgage-link-inc-113054",
          "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054",
          "type": "imb"
        },
        "branch": {
          "city": "Rockville",
          "state": "MD"
        },
        "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Jorge%20Posada.png",
        "licensed_states": [
          "FL",
          "TX",
          "PA",
          "DC",
          "MD",
          "NC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "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": {
          "date": "2018-05-31",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.themortgagelink.com/loan-officer/jorge-posada",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 31, 2018 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/jorge-posada-206531",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.themortgagelink.com/loan-officer/jorge-posada"
      }
    },
    {
      "rank": 7,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 310820,
        "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)",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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"
      }
    },
    {
      "rank": 8,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 661857,
        "slug": "luis-kercado-661857",
        "full_name": "Luis Kercado",
        "licensed_names": [
          {
            "name": "Luis Kercado",
            "name_with_middle_initial": "Luis E. Kercado",
            "first_name": "Luis",
            "middle_initial": "E",
            "last_name": "Kercado",
            "states": [
              "CO",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/luis-kercado-661857",
        "json_url": "https://lendb.ai/lo/luis-kercado-661857.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": "Tequesta",
          "state": "FL"
        },
        "headshot_url": "https://thevault.ccm.com/m/41c330a941961eee/Website-3939_Kercado_661857.jpg",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "WI",
          "GA",
          "KY",
          "MS",
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "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",
          "first-time-buyer",
          "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": "2025-01-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2025,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 22, 2025 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/luis-kercado-661857",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/"
      }
    },
    {
      "rank": 9,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 898712,
        "slug": "gina-myers-898712",
        "full_name": "Gina Myers",
        "canonical_url": "https://lendb.ai/lo/gina-myers-898712",
        "json_url": "https://lendb.ai/lo/gina-myers-898712.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": "Fairfax",
          "state": "VA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/73d9fd0e-1b67-422f-a9fc-7f29c681c447/Website/2618_Myers_898712-jpg.jpg",
        "licensed_states": [
          "DC",
          "DE",
          "MD",
          "NC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "heloc",
          "investor",
          "jumbo",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-2618/gina-myers/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gina-myers-898712",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/fairfax-va-2618/gina-myers/"
      }
    },
    {
      "rank": 10,
      "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"
          }
        ],
        "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"
        },
        "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)",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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"
      }
    }
  ]
}