{
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          "state": "FL"
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        "Licensed in FL: confirmed with the Florida regulator (license LO4201), verified 2026-10-09",
        "Earliest state license record: March 18, 2011 (Florida), per state regulator"
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          "type": "imb"
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          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "VT"
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            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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            "state": "VT",
            "confidence": "lender_reported"
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          {
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://branches.guildmortgage.com/ma/easthampton/kate-reagan-452-rgkre.html",
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: August 16, 2019 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
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        "full_name": "Denise Peach",
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        "json_url": "https://lendb.ai/lo/denise-peach-41008.json",
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          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
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        "branch": {
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          {
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          {
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            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-peach",
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        "Earliest state license record: January 25, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/denise-peach-41008",
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        "slug": "mark-niosi-216306",
        "full_name": "Mark Niosi",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "DC",
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          "GA",
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          "NC",
          "SC",
          "VA",
          "WV"
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            "state": "DE",
            "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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          "LA"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          "state": "FL"
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/",
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        "Earliest state license record: April 4, 2023 (Florida), per state regulator",
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      "canonical_url": "https://lendb.ai/lo/terilyn-nicely-973893",
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      "score": 62.5,
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          "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247",
          "type": "imb"
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        "specialties": [
          {
            "slug": "down-payment-assistance",
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        "earliest_license_record": {
          "date": "2012-12-12",
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        "licensed_since": {
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        "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/andrew-lioi-2/",
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        "Earliest state license record: December 12, 2012 (Florida), per state regulator",
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      "canonical_url": "https://lendb.ai/lo/andrew-lioi-185715",
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        "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
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          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Angel Fire",
          "state": "NM"
        },
        "licensed_states": [
          "FL",
          "CO",
          "NM",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-08-07",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2019,
          "state": "CO"
        },
        "years_experience": 34,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO66091), verified 2026-10-09",
        "Earliest state license record: August 7, 2019 (Colorado), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO66091), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 500688,
        "slug": "laura-mullen-500688",
        "full_name": "Laura Mullen",
        "canonical_url": "https://lendb.ai/lo/laura-mullen-500688",
        "json_url": "https://lendb.ai/lo/laura-mullen-500688.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "IN",
          "KY",
          "TN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-05-22",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.ruoff.com/LauraMullen",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO120173), verified 2026-10-09",
        "Earliest state license record: May 22, 2023 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/laura-mullen-500688",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO120173), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    }
  ]
}