{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=asset-based&state=MD",
  "filters": {
    "specialty": [
      "asset-based"
    ],
    "state": "MD",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 963318,
        "slug": "ronald-atamian-963318",
        "full_name": "Ronald Atamian",
        "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318",
        "json_url": "https://lendb.ai/lo/ronald-atamian-963318.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Allentown",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "MD",
          "NJ",
          "NY",
          "PA",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-01-27",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/ronald-atamian/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 27, 2021 (Florida), per state regulator",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ronald-atamian-963318",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/allentown-pa-2587/ronald-atamian/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "asset-based"
      ],
      "unconfirmed_specialties": []
    }
  ]
}