{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=construction&state=CA",
  "filters": {
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    "limit": 10
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          "GA",
          "IL",
          "IN",
          "MN",
          "MO",
          "OH",
          "OK",
          "TN",
          "TX",
          "WA"
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            "state": "FL",
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            "state": "IL",
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "MN",
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          {
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            "state": "TN",
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            "confidence": "lender_reported"
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          "state": "FL"
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        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 18, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "type": "imb"
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          "CA",
          "OR",
          "WA"
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            "state": "AZ",
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          {
            "state": "CA",
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          {
            "state": "OR",
            "confidence": "lender_reported"
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            "state": "WA",
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        "lender_profile_url": "https://www.apmortgage.com/michael-dubrule",
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        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
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          "MA",
          "MI",
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          "MT",
          "NC",
          "NE",
          "OH",
          "OR",
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          "TX",
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        "lender_profile_url": "https://crosscountrymortgage.com/benicia-ca-4786/robert-saberi/",
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        "specialties": [
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          {
            "slug": "self-employed",
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/jpereira/",
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        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
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        "confidence": "lender_reported",
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        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://c2financial.com/find-a-loan-officer/jpereira/"
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      "matched_specialties": [
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      "score": 53.8,
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        "slug": "michael-lee-mcchristian-288571",
        "full_name": "Michael Lee Mcchristian",
        "canonical_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571",
        "json_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571.json",
        "lender": {
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          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
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          "state": "CA"
        },
        "licensed_states": [
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        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 26,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/michael-lee-mcchristian-288571",
        "disciplinary_check": "not_checked"
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        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
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        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-lee-mcchristian-288571",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 52.8,
      "loan_officer": {
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        "full_name": "Adam Ellsworth",
        "canonical_url": "https://lendb.ai/lo/adam-ellsworth-979864",
        "json_url": "https://lendb.ai/lo/adam-ellsworth-979864.json",
        "lender": {
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        "verified_at": "2026-10-09",
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}