{
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  "filters": {
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    "limit": 10
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          {
            "state": "TN",
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          "year": 2023,
          "state": "FL"
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 22, 2023 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
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        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        "licensed_states": [
          "KY"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "slug": "investor",
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          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "years_experience": 28,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ky-5073/jason-heflin/",
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Lexington, KY",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 28 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/jason-heflin-338565",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/lexington-ky-5073/jason-heflin/"
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        ],
        "licenses": [
          {
            "state": "KY",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
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          {
            "slug": "new-construction",
            "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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        "licensed_since": null,
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        "lender_profile_url": "https://www.ruoff.com/BethGarrett",
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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        "state": "KY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/BethGarrett"
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      "rank": 4,
      "score": 52.8,
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        "slug": "rachelle-greene-1097316",
        "full_name": "Racee Greene",
        "canonical_url": "https://lendb.ai/lo/rachelle-greene-1097316",
        "json_url": "https://lendb.ai/lo/rachelle-greene-1097316.json",
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          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
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          "FL",
          "GA",
          "KY"
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        "licenses": [
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            "state": "GA",
            "confidence": "lender_reported"
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            "state": "KY",
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2018-11-01",
          "state": "FL"
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        "licensed_since": {
          "year": 2018,
          "state": "FL"
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        "lender_profile_url": "https://www.ruoff.com/RaceeGreene",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2018 (Florida), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/rachelle-greene-1097316",
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        "state": "KY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/RaceeGreene"
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        "full_name": "Rodney Mullins",
        "canonical_url": "https://lendb.ai/lo/rodney-mullins-20486",
        "json_url": "https://lendb.ai/lo/rodney-mullins-20486.json",
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          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
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        "branch": {
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        "licensed_states": [
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          "IN",
          "KY",
          "OH"
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2021-04-26",
          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/rodney-mullins/",
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-14)",
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        "Earliest state license record: April 26, 2021 (Florida), per state regulator"
      ],
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        "state": "KY",
        "confidence": "lender_reported",
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        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/rodney-mullins/"
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      "rank": 6,
      "score": 51.8,
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        "json_url": "https://lendb.ai/lo/jason-smith-210839.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MO",
          "NE",
          "NM",
          "NV",
          "OK",
          "OR",
          "TN",
          "TX",
          "WA"
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            "confidence": "lender_reported"
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            "state": "AZ",
            "confidence": "lender_reported"
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            "state": "CA",
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          {
            "state": "CO",
            "confidence": "lender_reported"
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            "state": "GA",
            "confidence": "lender_reported"
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            "state": "IL",
            "confidence": "lender_reported"
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            "state": "IN",
            "confidence": "lender_reported"
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            "state": "KY",
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            "confidence": "lender_reported"
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          "state": "TX"
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          "state": "TX"
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        "Earliest state license record: September 29, 2015 (Texas), per state regulator",
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          "NC",
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            "confidence": "lender_reported"
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            "state": "CA",
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            "state": "MT",
            "confidence": "lender_reported"
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            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
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            "confidence": "lender_reported"
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            "state": "SC",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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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"
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        "licensed_since": {
          "year": 2017,
          "state": "FL"
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        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/",
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      "reasons": [
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        "Earliest state license record: March 10, 2017 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/coley-rau-256481",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY 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/bryan-oh-2035/coley-rau/"
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      "score": 51.8,
      "loan_officer": {
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