{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=construction&state=MD",
  "filters": {
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      "score": 60.8,
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        "full_name": "Adam Backes",
        "canonical_url": "https://lendb.ai/lo/adam-backes-653829",
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          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
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          "DC",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
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            "confidence": "confirmed"
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            "state": "MD",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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          "state": "FL"
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
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        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 28, 2022 (Florida), per state regulator",
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        "full_name": "Lee Blades",
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        "lender": {
          "nmls_id": 3029,
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          "type": "imb"
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          "DC",
          "MD",
          "NC",
          "NJ",
          "PA",
          "VA"
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        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/reston-va-4497/leroy-blades-iii/",
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        "Lists Construction loan 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: July 10, 2025 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/leroy-blades-144593",
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        "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/reston-va-4497/leroy-blades-iii/"
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      "score": 58.5,
      "loan_officer": {
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        "slug": "james-f-gaudiosi-474088",
        "full_name": "James F. Gaudiosi",
        "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088",
        "json_url": "https://lendb.ai/lo/james-f-gaudiosi-474088.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
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        "licenses": [
          {
            "state": "DC",
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 23,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/",
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      "reasons": [
        "Lists Construction loan 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)",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088",
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        "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://www.atlanticcoastmortgage.com/lo/james-gaudiosi/"
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      "match_status": "exact",
      "matched_specialties": [
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      "score": 57.8,
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        "slug": "scott-lacey-8154",
        "full_name": "Scott Lacey",
        "canonical_url": "https://lendb.ai/lo/scott-lacey-8154",
        "json_url": "https://lendb.ai/lo/scott-lacey-8154.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Lincoln",
          "state": "RI"
        },
        "licensed_states": [
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          "PA",
          "AL",
          "CT",
          "DC",
          "DE",
          "GA",
          "IN",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MS",
          "NC",
          "NH",
          "NJ",
          "RI",
          "SC",
          "TN",
          "VA",
          "VT"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
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        "earliest_license_record": {
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          "state": "FL"
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        "licensed_since": {
          "year": 2020,
          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html",
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      "reasons": [
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        "Earliest state license record: August 5, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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        "full_name": "Chris Geier",
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        "json_url": "https://lendb.ai/lo/christopher-geier-1168228.json",
        "lender": {
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          "state": "DC"
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          "MD",
          "VA"
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        "licenses": [
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            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          "state": "FL"
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        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/chris-geier/",
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      "score": 52.8,
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        "canonical_url": "https://lendb.ai/lo/dan-murphy-2765982",
        "json_url": "https://lendb.ai/lo/dan-murphy-2765982.json",
        "lender": {
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          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
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          "state": "MD"
        },
        "licensed_states": [
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          "DE",
          "MD",
          "NC",
          "TX",
          "VA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
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        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/dan-murphy/",
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      "reasons": [
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        "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://firsthome.com/loan-officers/dan-murphy/"
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      "rank": 7,
      "score": 52,
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        "slug": "bonnie-jackson-450491",
        "full_name": "Bonnie Jackson",
        "canonical_url": "https://lendb.ai/lo/bonnie-jackson-450491",
        "json_url": "https://lendb.ai/lo/bonnie-jackson-450491.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Huntersville",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "CO",
          "GA",
          "MD",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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            "slug": "construction",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2019-04-26",
          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
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        "years_experience": 15,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/bonnie-jackson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: April 26, 2019 (Florida), per state regulator",
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        "confidence": "lender_reported",
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        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.atlanticcoastmortgage.com/lo/bonnie-jackson/"
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      "score": 52,
      "loan_officer": {
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        "full_name": "Irini Lulu",
        "canonical_url": "https://lendb.ai/lo/irini-ronen-lulu-482084",
        "json_url": "https://lendb.ai/lo/irini-ronen-lulu-482084.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Plymouth Meeting",
          "state": "PA"
        },
        "licensed_states": [
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          "CA",
          "DE",
          "MD",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "el",
          "sq"
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          {
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            "evidence": "lender_page_text"
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
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      },
      "reasons": [
        "Lists Construction loan 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 28, 2019 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        ],
        "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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            "evidence": "lender_page_text"
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          "state": "FL"
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      },
      "reasons": [
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}