{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=NV",
  "filters": {
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    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 276125,
        "slug": "jorge-i-montoya-morales-276125",
        "full_name": "Jorge I Montoya Morales",
        "canonical_url": "https://lendb.ai/lo/jorge-i-montoya-morales-276125",
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        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Reno",
          "state": "NV"
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        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/thjxm-jorge-montoya.jpg",
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          "NV"
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        "licenses": [
          {
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            "confidence": "confirmed"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [
          "es"
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          {
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          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
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          {
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            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-06-17",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CA"
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        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/reno/jorge-i-montoya-morales-569-thjxm.html",
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        "Speaks Spanish (lender page, verified 2026-10-20)",
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        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 17, 2010 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/jorge-i-montoya-morales-276125",
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        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/nv/reno/jorge-i-montoya-morales-569-thjxm.html"
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      "rank": 2,
      "score": 41,
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        "full_name": "Eddie Didio",
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            "middle_initial": "E",
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              "FL",
              "MD",
              "TX"
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            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/ovadia-didio-349240",
        "json_url": "https://lendb.ai/lo/ovadia-didio-349240.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Las Vegas",
          "state": "NV"
        },
        "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_822_Ovadia_Didio_1789392361",
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          "TX",
          "AZ",
          "CA",
          "MD",
          "NM",
          "NV"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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          "first-time-buyer",
          "heloc",
          "investor",
          "low-credit",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
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          {
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            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
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          "state": "CA"
        },
        "licensed_since": {
          "year": 2012,
          "state": "CA"
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        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/eddie-didio",
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        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Las Vegas, NV",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 21, 2012 (California), per state regulator"
      ],
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        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/eddie-didio"
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      "score": 37.8,
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        "nmls_id": 366261,
        "slug": "brenda-casas-366261",
        "full_name": "Brenda Casas",
        "canonical_url": "https://lendb.ai/lo/brenda-casas-366261",
        "json_url": "https://lendb.ai/lo/brenda-casas-366261.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": "Henderson",
          "state": "NV"
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        "headshot_url": "https://thevault.ccm.com/asset/5a51e99f-9044-447b-867a-a7b3447d5f17/Website/4324_Casas_366261.jpg",
        "licensed_states": [
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          "CA",
          "NV"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
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        "employer_program_approvals": [
          {
            "program": "fha",
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            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-01-17",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CA"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-4324/brenda-casas/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Henderson, NV",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 17, 2017 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/brenda-casas-366261",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/henderson-nv-4324/brenda-casas/"
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    {
      "rank": 4,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 1125518,
        "slug": "gaby-harglerode-1125518",
        "full_name": "Gaby Harglerode",
        "canonical_url": "https://lendb.ai/lo/gaby-harglerode-1125518",
        "json_url": "https://lendb.ai/lo/gaby-harglerode-1125518.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": "Henderson",
          "state": "NV"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/vggh-gaby-harglerode.jpg",
        "licensed_states": [
          "NV"
        ],
        "licenses": [
          {
            "state": "NV",
            "confidence": "lender_reported"
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        ],
        "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"
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        "employer_program_approvals": [
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        "earliest_license_record": null,
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        "years_experience": 10,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/gaby-harglerode-515-vggh.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Henderson, NV",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 10 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/gaby-harglerode-1125518",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/nv/henderson/gaby-harglerode-515-vggh.html"
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      "rank": 5,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 315271,
        "slug": "twyla-gray-315271",
        "full_name": "Twyla Gray",
        "licensed_names": [
          {
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            "name_with_middle_initial": "Twyla K. Gray",
            "first_name": "Twyla",
            "middle_initial": "K",
            "last_name": "Gray",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/twyla-gray-315271",
        "json_url": "https://lendb.ai/lo/twyla-gray-315271.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "NV"
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        "licensed_states": [
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          "CA",
          "CO",
          "NV"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [
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          "es"
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        "specialties": [
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            "evidence": "lender_page_text"
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        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "rural",
          "self-employed",
          "usda",
          "va"
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        "earliest_license_record": {
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          "state": "CA"
        },
        "licensed_since": {
          "year": 2018,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-2207/twyla-gray/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Henderson, NV",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 16, 2018 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/twyla-gray-315271",
      "license_check": {
        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV 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/henderson-nv-2207/twyla-gray/"
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      "score": 36.5,
      "loan_officer": {
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        "slug": "robert-gonzalez-692159",
        "full_name": "Robert Gonzalez",
        "canonical_url": "https://lendb.ai/lo/robert-gonzalez-692159",
        "json_url": "https://lendb.ai/lo/robert-gonzalez-692159.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"
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        "branch": {
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          "state": "NV"
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        "licensed_states": [],
        "licenses": [],
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        "languages": [
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        "employer_program_approvals": [
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        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 12,
        "lender_profile_url": "https://homelendingadvisor.chase.com/nv/las-vegas/4125-s-grand-canyon-dr-hla-692159",
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      "reasons": [
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-gonzalez-692159",
      "license_check": {
        "state": "NV",
        "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": "2026-10-19",
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      "rank": 7,
      "score": 36.5,
      "loan_officer": {
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        "slug": "sibyl-fernandez-2138348",
        "full_name": "Sibyl Fernandez",
        "canonical_url": "https://lendb.ai/lo/sibyl-fernandez-2138348",
        "json_url": "https://lendb.ai/lo/sibyl-fernandez-2138348.json",
        "lender": {
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          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
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          "state": "NV"
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        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hdsf-sibyl-fernandez.png",
        "licensed_states": [
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          "NC",
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          "NV"
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        "licenses": [
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            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [
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          "es"
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        "specialties": [
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            "evidence": "lender_page_text"
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          "fha",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
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          "usda",
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          "vacation-home"
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        "employer_program_approvals": [
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        "years_licensed": null,
        "earliest_license_record": {
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          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/sibyl-fernandez-255-hdsf.html",
        "disciplinary_check": "not_checked"
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        "Office in Henderson, NV",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 20, 2021 (Florida), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/sibyl-fernandez-2138348",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/nv/henderson/sibyl-fernandez-255-hdsf.html"
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      "score": 35.5,
      "loan_officer": {
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}