{
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  "filters": {
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  "count": 9,
  "results": [
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      "rank": 1,
      "score": 41,
      "loan_officer": {
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        "slug": "raymond-goulart-4870",
        "full_name": "Ray Goulart",
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        "Earliest state license record: November 21, 2022 (Florida), per state regulator",
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              "MA"
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          "physician",
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        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO21437), verified 2026-10-26"
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          "name": "New Fed Mortgage, Corp.",
          "slug": "new-fed-mortgage-corp-1881",
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          "type": "imb"
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        "branch": {
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          "es",
          "it",
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        "lender_profile_url": "https://newfed.com/loan-officers/jesus-paraliticci/",
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        "Office in Reading, MA",
        "Licensed in MA: confirmed with the Massachusetts regulator (license MLO17695), verified 2026-10-26"
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      "canonical_url": "https://lendb.ai/lo/jesus-paraliticci-17695",
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        "state": "MA",
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        "eligible": true,
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        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
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        "lender": {
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          "name": "New Fed Mortgage, Corp.",
          "slug": "new-fed-mortgage-corp-1881",
          "canonical_url": "https://lendb.ai/lender/new-fed-mortgage-corp-1881",
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        "lender_profile_url": "https://newfed.com/loan-officers/michelle-perry/",
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          "state": "FL"
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        "lender": {
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          "name": "Total Mortgage Services",
          "slug": "total-mortgage-services-2764",
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          "type": "imb"
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          "state": "CT"
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        "licenses": [
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            "confidence": "confirmed"
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          {
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            "state": "MA",
            "confidence": "confirmed"
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            "state": "NY",
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        "federal_registration_likely": false,
        "languages": [
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        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_offers": [
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          "heloc",
          "jumbo",
          "low-credit",
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        "employer_program_approvals": [
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        "earliest_license_record": {
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
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        "years_experience": 10,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/debora-valdes",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Earliest state license record: April 13, 2022 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-21)"
      ],
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        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1793296), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
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        "lender": {
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        "federal_registration_likely": true,
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        "lender_offers": [
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/adriana-lane-1445575",
      "license_check": {
        "state": "MA",
        "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": 22.3,
      "loan_officer": {
        "nmls_id": 1807800,
        "slug": "paula-cordeiro-1807800",
        "full_name": "Paula Cordeiro",
        "licensed_names": [
          {
            "name": "Paula Cordeiro",
            "name_with_middle_initial": "Paula C. Cordeiro",
            "first_name": "Paula",
            "middle_initial": "C",
            "last_name": "Cordeiro",
            "states": [
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              "FL",
              "MA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/paula-cordeiro-1807800",
        "json_url": "https://lendb.ai/lo/paula-cordeiro-1807800.json",
        "lender": {
          "nmls_id": 2611,
          "name": "Guaranteed Rate (Rate)",
          "slug": "guaranteed-rate-2611",
          "canonical_url": "https://lendb.ai/lender/guaranteed-rate-2611",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://img.fairway.com/images/head_shot/paula-cordeiro-1807800.png?fwy_Id=903b3ddb-9fd1-4fb5-ad92-df0bed6774ac",
        "licensed_states": [
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          "CT",
          "MA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "pt"
        ],
        "specialties": [],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-11-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": null,
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Portuguese (lender page, verified 2026-10-26)",
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        "Earliest state license record: November 12, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/paula-cordeiro-1807800",
      "license_check": {
        "state": "MA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO1807800), verified 2026-10-26",
        "verified_at": "2026-10-26",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees"
      }
    }
  ]
}