{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=asset-based&state=WY",
  "filters": {
    "specialty": [
      "asset-based"
    ],
    "state": "WY",
    "limit": 10
  },
  "count": 2,
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 283559,
        "slug": "brandon-hansen-283559",
        "full_name": "Brandon Hansen",
        "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559",
        "json_url": "https://lendb.ai/lo/brandon-hansen-283559.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Toquerville",
          "state": "UT"
        },
        "licensed_states": [
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          "AZ",
          "CA",
          "ID",
          "NM",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
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        "years_licensed": null,
        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/toquerville/brandon-hansen-817-chbh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 31, 2018 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559",
      "license_check": {
        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ut/toquerville/brandon-hansen-817-chbh.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "asset-based"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 344571,
        "slug": "timothy-szumigala-344571",
        "full_name": "Tim Szumigala",
        "canonical_url": "https://lendb.ai/lo/timothy-szumigala-344571",
        "json_url": "https://lendb.ai/lo/timothy-szumigala-344571.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
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          "GA",
          "ID",
          "MI",
          "MN",
          "TN",
          "VA",
          "WY"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-02-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.lower.com/loan-officers/florida/tampa/tim-szumigala",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-10)",
        "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 19, 2014 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/timothy-szumigala-344571",
      "license_check": {
        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/florida/tampa/tim-szumigala"
      },
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      "matched_specialties": [
        "asset-based"
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      "unconfirmed_specialties": []
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  ]
}