{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?lang=es&state=SC",
  "filters": {
    "state": "SC",
    "lang": "es",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 2353237,
        "slug": "dinky-warr-2353237",
        "full_name": "Dinky Warr",
        "canonical_url": "https://lendb.ai/lo/dinky-warr-2353237",
        "json_url": "https://lendb.ai/lo/dinky-warr-2353237.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "SC"
        },
        "headshot_url": "https://thevault.ccm.com/m/8149b6ca42436cfd/Website-4120_Warr_2353237.jpg",
        "licensed_states": [
          "SC"
        ],
        "licenses": [
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "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": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-sc-4120/daniel-warr/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-22)",
        "Office in Lexington, SC",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 18 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/dinky-warr-2353237",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/lexington-sc-4120/daniel-warr/"
      }
    },
    {
      "rank": 2,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 418577,
        "slug": "francisco-j-ippoliti-418577",
        "full_name": "Francisco J Ippoliti",
        "canonical_url": "https://lendb.ai/lo/francisco-j-ippoliti-418577",
        "json_url": "https://lendb.ai/lo/francisco-j-ippoliti-418577.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": "Columbia",
          "state": "SC"
        },
        "headshot_url": "http://a.mktgcdn.com/p/uMbDuYAGp8Y-To_1zEMxuC7XHaOUllfdfmKVFKUsTZE/723x1083.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 28,
        "lender_profile_url": "https://homelendingadvisor.chase.com/sc/columbia/4800-garners-ferry-rd-hla-418577",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Columbia, SC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/francisco-j-ippoliti-418577",
      "license_check": {
        "state": "SC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
        "source_url": null
      }
    },
    {
      "rank": 3,
      "score": 37.8,
      "loan_officer": {
        "nmls_id": 35122,
        "slug": "james-duffy-35122",
        "full_name": "Jim Duffy",
        "licensed_names": [
          {
            "name": "James Duffy",
            "name_with_middle_initial": "James C. Duffy",
            "first_name": "James",
            "middle_initial": "C",
            "last_name": "Duffy",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/james-duffy-35122",
        "json_url": "https://lendb.ai/lo/james-duffy-35122.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": "Summerville",
          "state": "SC"
        },
        "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/jim-duffy.png",
        "licensed_states": [
          "FL",
          "GA",
          "SC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "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": "2016-09-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2016,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://alcova.com/loan-officer/jduffy/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Summerville, SC",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 12, 2016 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/james-duffy-35122",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/jduffy/"
      }
    },
    {
      "rank": 4,
      "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)",
        "SC 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": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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": 5,
      "score": 33.3,
      "loan_officer": {
        "nmls_id": 1013615,
        "slug": "susan-lazcano-1013615",
        "full_name": "Susan Lazcano",
        "canonical_url": "https://lendb.ai/lo/susan-lazcano-1013615",
        "json_url": "https://lendb.ai/lo/susan-lazcano-1013615.json",
        "lender": {
          "nmls_id": 1041,
          "name": "Summit Mortgage Corporation",
          "slug": "summit-mortgage-corporation-1041",
          "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041",
          "type": "other"
        },
        "branch": {
          "city": "Jacksonville",
          "state": "FL"
        },
        "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/S_LazcanoC-1-400x400.png",
        "licensed_states": [
          "FL",
          "GA",
          "SC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-05-04",
          "state": "IA"
        },
        "licensed_since": {
          "year": 2015,
          "state": "IA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/susan-lazcano/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 4, 2015 (Iowa), per state regulator",
        "States 20 years of experience (lender page, 2026-10-15)"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-lazcano-1013615",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.summit-mortgage.com/loan-officer/susan-lazcano/"
      }
    },
    {
      "rank": 6,
      "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)",
        "SC 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": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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": 7,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 2860997,
        "slug": "christian-ruiz-2860997",
        "full_name": "Christian Ruiz",
        "canonical_url": "https://lendb.ai/lo/christian-ruiz-2860997",
        "json_url": "https://lendb.ai/lo/christian-ruiz-2860997.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "slug": "lower-1124061",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Greenville",
          "state": "SC"
        },
        "headshot_url": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-christian-ruiz.jpg?quality=80&format=webp&width=800&height=800&name=lo-christian-ruiz.jpg",
        "licensed_states": [
          "GA",
          "NC",
          "SC"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-10)",
        "Office in Greenville, SC",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/christian-ruiz-2860997",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz"
      }
    },
    {
      "rank": 8,
      "score": 30,
      "loan_officer": {
        "nmls_id": 209052,
        "slug": "david-rodriguez-209052",
        "full_name": "David Rodriguez",
        "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
        "json_url": "https://lendb.ai/lo/david-rodriguez-209052.json",
        "lender": {
          "nmls_id": 208516,
          "name": "Integrity Home Mortgage Corporation",
          "slug": "integrity-home-mortgage-corporation-208516",
          "canonical_url": "https://lendb.ai/lender/integrity-home-mortgage-corporation-208516",
          "type": "imb"
        },
        "branch": {
          "city": "Jersey Village",
          "state": "TX"
        },
        "headshot_url": null,
        "licensed_states": [
          "TX",
          "AL",
          "AR",
          "CO",
          "DC",
          "DE",
          "FL",
          "GA",
          "IA",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "NH",
          "NJ",
          "NM",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "UT",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-09-02",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://ihmcloans.com/david-rodriguez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-15)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 2, 2010 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://ihmcloans.com/david-rodriguez/"
      }
    },
    {
      "rank": 9,
      "score": 30,
      "loan_officer": {
        "nmls_id": 1925347,
        "slug": "pamela-miller-1925347",
        "full_name": "Pamela Miller",
        "canonical_url": "https://lendb.ai/lo/pamela-miller-1925347",
        "json_url": "https://lendb.ai/lo/pamela-miller-1925347.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Greer",
          "state": "SC"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/66528E95-9E6F-4768-9C9E-56AD0E9ED1E0.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/pmiller7",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Greer, SC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/pamela-miller-1925347",
      "license_check": {
        "state": "SC",
        "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": 10,
      "score": 30,
      "loan_officer": {
        "nmls_id": 2168013,
        "slug": "marisol-fuentes-2168013",
        "full_name": "Marisol Fuentes",
        "canonical_url": "https://lendb.ai/lo/marisol-fuentes-2168013",
        "json_url": "https://lendb.ai/lo/marisol-fuentes-2168013.json",
        "lender": {
          "nmls_id": 399802,
          "name": "Bank of America",
          "slug": "bank-of-america-399802",
          "canonical_url": "https://lendb.ai/lender/bank-of-america-399802",
          "type": "bank"
        },
        "branch": {
          "city": "Aiken",
          "state": "SC"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/6DEBFC05-CF28-41A6-87E2-31E77741BABB.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/marisol-fuentes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Aiken, SC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/marisol-fuentes-2168013",
      "license_check": {
        "state": "SC",
        "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
      }
    }
  ]
}