{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=OH",
  "filters": {
    "state": "OH",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 2014971,
        "slug": "marco-lopez-2014971",
        "full_name": "Marco Lopez",
        "licensed_names": [
          {
            "name": "Marco Lopez",
            "name_with_middle_initial": "Marco V. Lopez",
            "first_name": "Marco",
            "middle_initial": "V",
            "last_name": "Lopez",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/marco-lopez-2014971",
        "json_url": "https://lendb.ai/lo/marco-lopez-2014971.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": "Niles",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/asset/a43a6698-6bd4-4469-9437-99c550bda135/Website/2121_Lopez_2014971.jpg",
        "licensed_states": [
          "FL",
          "OH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-08-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/niles-oh-5046/marco-lopez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Niles, OH",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 18, 2022 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/marco-lopez-2014971",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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/niles-oh-5046/marco-lopez/"
      }
    },
    {
      "rank": 2,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 1299742,
        "slug": "roderick-seda-1299742",
        "full_name": "Roderick Seda",
        "licensed_names": [
          {
            "name": "Roderick Seda",
            "name_with_middle_initial": "Roderick S. Seda",
            "first_name": "Roderick",
            "middle_initial": "S",
            "last_name": "Seda",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/roderick-seda-1299742",
        "json_url": "https://lendb.ai/lo/roderick-seda-1299742.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": "Columbus",
          "state": "OH"
        },
        "headshot_url": "http://a.mktgcdn.com/p/f9dBGPEblFsK5B-JAP8q0z42sOr7QYQSSuZvbO-9Ccc/723x1083.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-04-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1299742",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: April 2, 2015 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/roderick-seda-1299742",
      "license_check": {
        "state": "OH",
        "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",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 34.5,
      "loan_officer": {
        "nmls_id": 1439978,
        "slug": "juan-sebastian-gonzalez-1439978",
        "full_name": "Sebastian Gonzalez",
        "licensed_names": [
          {
            "name": "Juan Gonzalez",
            "name_with_middle_initial": "Juan S. Gonzalez",
            "first_name": "Juan",
            "middle_initial": "S",
            "last_name": "Gonzalez",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/juan-sebastian-gonzalez-1439978",
        "json_url": "https://lendb.ai/lo/juan-sebastian-gonzalez-1439978.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": "Columbus",
          "state": "OH"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-03-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2016,
          "state": "FL"
        },
        "years_experience": 8,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1439978",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: March 4, 2016 (Florida), per state regulator",
        "States 8 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/juan-sebastian-gonzalez-1439978",
      "license_check": {
        "state": "OH",
        "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",
        "source_url": null
      }
    },
    {
      "rank": 4,
      "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)",
        "OH 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": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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"
      }
    },
    {
      "rank": 5,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 2732826,
        "slug": "daniel-segovia-2732826",
        "full_name": "Daniel Segovia",
        "canonical_url": "https://lendb.ai/lo/daniel-segovia-2732826",
        "json_url": "https://lendb.ai/lo/daniel-segovia-2732826.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": "Columbus",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/asset/2c104722-157e-43fe-9654-574dc4fc2c04/Website/2133_Segovia_2732826.jpg",
        "licensed_states": [
          "OH"
        ],
        "licenses": [
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "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": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2133/carlos-segovia/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-segovia-2732826",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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/columbus-oh-2133/carlos-segovia/"
      }
    },
    {
      "rank": 6,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 204035,
        "slug": "steven-lines-204035",
        "full_name": "Steven Lines",
        "licensed_names": [
          {
            "name": "Steven Lines",
            "name_with_middle_initial": "Steven W. Lines",
            "first_name": "Steven",
            "middle_initial": "W",
            "last_name": "Lines",
            "states": [
              "CO",
              "FL",
              "IA",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-lines-204035",
        "json_url": "https://lendb.ai/lo/steven-lines-204035.json",
        "lender": {
          "nmls_id": 1963444,
          "name": "Lender Express Mortgage LLC",
          "slug": "lender-express-mortgage-llc-1963444",
          "canonical_url": "https://lendb.ai/lender/lender-express-mortgage-llc-1963444",
          "type": "other"
        },
        "branch": {
          "city": "Mesa",
          "state": "AZ"
        },
        "headshot_url": "https://lenderexpress.com/wp-content/uploads/2026/04/steve-lines-lender-express-mor-600x600-1.png",
        "licensed_states": [
          "FL",
          "TX",
          "AZ",
          "CO",
          "OH",
          "OR"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-10-08",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2020,
          "state": "IA"
        },
        "years_experience": 25,
        "lender_profile_url": "https://lenderexpress.com/loan-officer/steven-lines/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 8, 2020 (Iowa), per state regulator",
        "States 25 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-lines-204035",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://lenderexpress.com/loan-officer/steven-lines/"
      }
    },
    {
      "rank": 7,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 2049959,
        "slug": "gabriel-davila-2049959",
        "full_name": "Gabriel Davila",
        "canonical_url": "https://lendb.ai/lo/gabriel-davila-2049959",
        "json_url": "https://lendb.ai/lo/gabriel-davila-2049959.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": "Cuyahoga Falls",
          "state": "OH"
        },
        "headshot_url": null,
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "employer_program_approvals": [
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            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": {
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        "licensed_since": {
          "year": 2021,
          "state": "WI"
        },
        "years_experience": 5,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/cuyahoga-falls/2647-bailey-rd-hla-2049959",
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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",
        "Earliest state license record: June 2, 2021 (Wisconsin), per state regulator",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriel-davila-2049959",
      "license_check": {
        "state": "OH",
        "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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      "score": 31,
      "loan_officer": {
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        "slug": "itzia-johnson-347895",
        "full_name": "Itzia Johnson",
        "canonical_url": "https://lendb.ai/lo/itzia-johnson-347895",
        "json_url": "https://lendb.ai/lo/itzia-johnson-347895.json",
        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "slug": "chase-399798",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
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          "state": "OH"
        },
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        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        "specialties": [
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            "slug": "down-payment-assistance",
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "employer_program_approvals": [
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        "earliest_license_record": null,
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        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/reynoldsburg/6672-e-main-st-hla-347895",
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      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Reynoldsburg, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/itzia-johnson-347895",
      "license_check": {
        "state": "OH",
        "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",
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      "score": 31,
      "loan_officer": {
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        "full_name": "Rosmery Sarduy",
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        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
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          "type": "bank"
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        "branch": {
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          "state": "OH"
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        "licenses": [],
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        "languages": [
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        "specialties": [
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            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2713898",
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
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      "license_check": {
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        "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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      "score": 30.8,
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            "as_of": "2026-10-22"
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        "lender": {
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          "name": "Lower",
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          "AL",
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [
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          "heloc",
          "investor",
          "jumbo",
          "non-qm",
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          "usda",
          "va",
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        "employer_program_approvals": [
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        "earliest_license_record": {
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        "licensed_since": {
          "year": 2019,
          "state": "CA"
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        "years_experience": 16,
        "lender_profile_url": "https://www.lower.com/loan-officers/california/orange-county/dilza-herrod",
        "disciplinary_check": "not_checked"
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        "Earliest state license record: July 29, 2019 (California), per state regulator",
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      ],
      "canonical_url": "https://lendb.ai/lo/dilza-herrod-1494202",
      "license_check": {
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        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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  ]
}