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        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "branch": {
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          "state": "VA"
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        "lender": {
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "heloc",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
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            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 5,
        "lender_profile_url": "https://crosscountrymortgage.com/reston-va-3246/angelica-garcia/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-21)",
        "Office in Reston, VA",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 16, 2021 (Florida), per state regulator",
        "States 5 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/angela-garcia-1436145",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://crosscountrymortgage.com/reston-va-3246/angelica-garcia/"
      }
    },
    {
      "rank": 10,
      "score": 35.5,
      "loan_officer": {
        "nmls_id": 588151,
        "slug": "diana-samayoa-588151",
        "full_name": "Diana Samayoa",
        "canonical_url": "https://lendb.ai/lo/diana-samayoa-588151",
        "json_url": "https://lendb.ai/lo/diana-samayoa-588151.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": "Vienna",
          "state": "VA"
        },
        "headshot_url": "http://a.mktgcdn.com/p/hx_Cj7Zofizey7m2wNzf-sMGxtPnGeDglYLtosb5ABs/200x300.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
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            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 9,
        "lender_profile_url": "https://homelendingadvisor.chase.com/va/vienna/315-maple-ave-e-hla-588151",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-26)",
        "Office in Vienna, VA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/diana-samayoa-588151",
      "license_check": {
        "state": "VA",
        "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
      }
    }
  ]
}