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        "licensed_since": {
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          "name": "Guild Mortgage",
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          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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          {
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          "renovation",
          "usda",
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        "licensed_since": {
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          "state": "IL"
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        "Speaks Spanish (lender page, verified 2026-10-19)",
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        "Earliest state license record: June 15, 2009 (Illinois), per state regulator",
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          "IL",
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            "confidence": "confirmed"
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          {
            "state": "CA",
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          {
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          {
            "state": "KY",
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            "confidence": "confirmed"
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          "state": "CA"
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        "States 32 years of experience (lender page, 2026-10-19)"
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          "IN"
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            "state": "IN",
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          "state": "IL"
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        "lender_profile_url": "https://themortgageexchange.com/team-member/maribel-licea/",
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        "Earliest state license record: March 10, 2021 (Illinois), per state regulator",
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        "full_name": "Sandra Benitez",
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        "specialties": [
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            "slug": "fha",
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        "lender_offers": [],
        "employer_program_approvals": [
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        "lender_profile_url": "https://homelendingadvisor.chase.com/wi/milwaukee/1337-s-cesar-e-chavez-dr-hla-447074",
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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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        "state": "WI",
        "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": 8,
      "score": 27.8,
      "loan_officer": {
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        "full_name": "Eduardo Padilla",
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          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
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        "branch": {
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        "headshot_url": "http://a.mktgcdn.com/p/hrmNZ-yFvEk_nyRWVceNbMq-iQLXaGygbf9wGiAoRKs/600x900.jpg",
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        "specialties": [
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        "earliest_license_record": {
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        "licensed_since": {
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        "years_experience": 15,
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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: March 2, 2022 (Wisconsin), per state regulator",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eduardo-padilla-443477",
      "license_check": {
        "state": "WI",
        "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": 9,
      "score": 27.3,
      "loan_officer": {
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        "slug": "john-ortega-461624",
        "full_name": "John Ortega",
        "licensed_names": [
          {
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            "name_with_middle_initial": "John H. Ortega",
            "first_name": "John",
            "middle_initial": "H",
            "last_name": "Ortega",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/john-ortega-461624",
        "json_url": "https://lendb.ai/lo/john-ortega-461624.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": "Irvine",
          "state": "CA"
        },
        "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/John%20Ortega.jpg",
        "licensed_states": [
          "FL",
          "AR",
          "CT",
          "MO",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NJ",
          "OR",
          "PA",
          "TN",
          "VA",
          "WI"
        ],
        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
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        ],
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        "lender_offers": [
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          "asset-based",
          "bank-statement",
          "condo-non-warrantable",
          "condotel",
          "construction",
          "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"
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            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": {
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          "state": "IA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "IA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/john-ortega",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 461624), verified 2026-10-21",
        "Earliest state license record: March 16, 2023 (Iowa), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/john-ortega-461624",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 461624), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      }
    },
    {
      "rank": 10,
      "score": 23.3,
      "loan_officer": {
        "nmls_id": 230377,
        "slug": "gerardo-perez-230377",
        "full_name": "Gerardo Perez",
        "licensed_names": [
          {
            "name": "Gerardo Tirado Perez",
            "name_with_middle_initial": null,
            "first_name": "Gerardo",
            "middle_initial": null,
            "last_name": "Tirado Perez",
            "states": [
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-21"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/gerardo-perez-230377",
        "json_url": "https://lendb.ai/lo/gerardo-perez-230377.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "slug": "us-bank-402761",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://dyn.mktgcdn.com/p/hzwRLwsTZIZeRg8WqqzBY_qUv8o3oBoUIuVQ3QGaw4o/width=500,height=500",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-03-25",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2021,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/ky/owensboro/gerardo-perez-230377",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Spanish (lender page, verified 2026-10-22)",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: March 25, 2021 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/gerardo-perez-230377",
      "license_check": {
        "state": "WI",
        "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": "2026-10-22",
        "source_url": null
      }
    }
  ]
}