{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=condo&state=CA",
  "filters": {
    "specialty": [
      "condo"
    ],
    "state": "CA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 611778,
        "slug": "karen-chiu-611778",
        "full_name": "Karen Chiu",
        "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
        "json_url": "https://lendb.ai/lo/karen-chiu-611778.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Gabriel",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "WA"
        ],
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        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/karen-chiu-611778"
    },
    {
      "rank": 2,
      "score": 56,
      "loan_officer": {
        "nmls_id": 1987734,
        "slug": "esperanza-alvarez-1987734",
        "full_name": "Esperanza Alvarez",
        "canonical_url": "https://lendb.ai/lo/esperanza-alvarez-1987734",
        "json_url": "https://lendb.ai/lo/esperanza-alvarez-1987734.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/esperanza-alvarez-1987734"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/esperanza-alvarez-1987734"
    },
    {
      "rank": 3,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 1395394,
        "slug": "maggie-mikaitis-1395394",
        "full_name": "Maggie Mikaitis",
        "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394",
        "json_url": "https://lendb.ai/lo/maggie-mikaitis-1395394.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 13,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-5072/maggie-mikaitis/"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394"
    },
    {
      "rank": 4,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 18566,
        "slug": "jeffrey-zulauf-18566",
        "full_name": "Jeffrey Zulauf",
        "canonical_url": "https://lendb.ai/lo/jeffrey-zulauf-18566",
        "json_url": "https://lendb.ai/lo/jeffrey-zulauf-18566.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Suwanee",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MD",
          "MI",
          "MS",
          "NC",
          "NJ",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/suwanee-ga-4738/jeffrey-zulauf/"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-zulauf-18566"
    },
    {
      "rank": 5,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 63768,
        "slug": "christopher-albanese-63768",
        "full_name": "Christopher Albanese",
        "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768",
        "json_url": "https://lendb.ai/lo/christopher-albanese-63768.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Durango",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "CT",
          "IL",
          "MA",
          "NJ",
          "NY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768"
    },
    {
      "rank": 6,
      "score": 51,
      "loan_officer": {
        "nmls_id": 649456,
        "slug": "lenae-vandegrift-649456",
        "full_name": "Lenae Vandegrift",
        "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
        "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456"
    },
    {
      "rank": 7,
      "score": 50,
      "loan_officer": {
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        "slug": "gary-forward-246757",
        "full_name": "Gary Forward",
        "canonical_url": "https://lendb.ai/lo/gary-forward-246757",
        "json_url": "https://lendb.ai/lo/gary-forward-246757.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Dana Point",
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://www.apmortgage.com/gary-forward"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gary-forward-246757"
    },
    {
      "rank": 8,
      "score": 50,
      "loan_officer": {
        "nmls_id": 477256,
        "slug": "nicole-kwan-477256",
        "full_name": "Nicole Kwan",
        "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256",
        "json_url": "https://lendb.ai/lo/nicole-kwan-477256.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
        "licensed_states": [
          "CA",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/nicole-kwan/"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 346684,
        "slug": "tom-tran-346684",
        "full_name": "Tom Tran",
        "canonical_url": "https://lendb.ai/lo/tom-tran-346684",
        "json_url": "https://lendb.ai/lo/tom-tran-346684.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tom-tran-346684"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "Branch in California",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tom-tran-346684"
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 2613437,
        "slug": "kerry-casey-2613437",
        "full_name": "Kerry Casey",
        "canonical_url": "https://lendb.ai/lo/kerry-casey-2613437",
        "json_url": "https://lendb.ai/lo/kerry-casey-2613437.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
          "state": "MA"
        },
        "licensed_states": [
          "CA",
          "CT",
          "MA",
          "ME",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4802/kerry-casey/"
      },
      "reasons": [
        "Lists Condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in CA (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kerry-casey-2613437"
    }
  ]
}