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          "state": "TX"
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        "lender_profile_url": "https://www.cmghomeloans.com/mysite/jaime-dejesus",
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      "reasons": [
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        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        ],
        "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)",
        "TN 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": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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": 8,
      "score": 32.8,
      "loan_officer": {
        "nmls_id": 1580286,
        "slug": "sucy-nieves-perry-1580286",
        "full_name": "Sucy Nieves-Perry",
        "canonical_url": "https://lendb.ai/lo/sucy-nieves-perry-1580286",
        "json_url": "https://lendb.ai/lo/sucy-nieves-perry-1580286.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": "Brentwood",
          "state": "TN"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Sucy%20Nieves-%20Perry.jpeg",
        "licensed_states": [
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          "FL",
          "GA",
          "TN"
        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        "specialties": [],
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          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
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          "heloc",
          "investor",
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          "jumbo",
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          "manufactured",
          "multi-family-2-4",
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          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
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        "employer_program_approvals": [
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            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/sucy-nieves",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Office in Brentwood, TN",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/sucy-nieves-perry-1580286",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/sucy-nieves"
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    },
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      "score": 32.8,
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        "slug": "lucia-wester-pacheco-2540341",
        "full_name": "Lucia Wester Pacheco",
        "canonical_url": "https://lendb.ai/lo/lucia-wester-pacheco-2540341",
        "json_url": "https://lendb.ai/lo/lucia-wester-pacheco-2540341.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": "TN"
        },
        "headshot_url": "https://thevault.ccm.com/asset/c3acb6b3-1ce1-4c49-880a-f3e982b0a0e4/Website/4386_WesterPacheco_2540341.jpg",
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        "specialties": [],
        "lender_offers": [
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          "down-payment-assistance",
          "dscr",
          "fha",
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          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "refinance",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
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            "source": "HUD",
            "as_of": "2026-08"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/chattanooga-tn-4386/lucia-wester-pacheco/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Chattanooga, TN",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/lucia-wester-pacheco-2540341",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/chattanooga-tn-4386/lucia-wester-pacheco/"
      }
    },
    {
      "rank": 10,
      "score": 32.5,
      "loan_officer": {
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        "slug": "edgar-ibarra-1988813",
        "full_name": "Edgar Ibarra",
        "licensed_names": [
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            "name_with_middle_initial": "Edgar C. Ibarra",
            "first_name": "Edgar",
            "middle_initial": "C",
            "last_name": "Ibarra",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/edgar-ibarra-1988813",
        "json_url": "https://lendb.ai/lo/edgar-ibarra-1988813.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": "Franklin",
          "state": "TN"
        },
        "headshot_url": "https://images.em.bankofamerica.com/AMP/EC01BA51-3D8D-4269-A45A-49CD9817EA1F.jpeg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
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        ],
        "specialties": [],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "physician",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-09-24",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2021,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://mortgage.bankofamerica.com/edgar-ibarra",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-19)",
        "Office in Franklin, TN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: September 24, 2021 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/edgar-ibarra-1988813",
      "license_check": {
        "state": "TN",
        "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
      }
    }
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}