{
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          "MT",
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          "OK",
          "TX",
          "UT"
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          {
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            "confidence": "lender_reported"
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          "year": 2014,
          "state": "TX"
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        "Earliest state license record: July 10, 2014 (Texas), per state regulator"
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        "verified_at": "2026-10-09",
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          "NV"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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        "licensed_since": {
          "year": 2021,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/jenny-cox-515-hdjc.html",
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        "Office in Henderson, NV",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 16, 2021 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-june-cox-1226731",
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        "state": "NV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/nv/henderson/jenny-cox-515-hdjc.html"
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          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
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          "AZ",
          "CA",
          "NV",
          "TX"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NV",
            "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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            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "TX"
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        "licensed_since": {
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          "state": "TX"
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        "years_experience": 22,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/michael-ivanov",
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        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 29, 2022 (Texas), per state regulator",
        "States 22 years of experience (lender page, 2026-10-11)"
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        "eligible": true,
        "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/michael-ivanov"
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      "score": 53.3,
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        "slug": "kim-fernandez-1901745",
        "full_name": "Kim Fernandez",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Las Vegas",
          "state": "NV"
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        "licensed_states": [
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          "CA",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
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        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "TX"
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        "lender_profile_url": "https://branches.guildmortgage.com/nv/lasvegas/kim-fernandez-397-vgkf.html",
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        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 23, 2025 (Texas), per state regulator"
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        "verified_at": "2026-10-09",
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      "score": 52.8,
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        "full_name": "Monica Centeno",
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          "name": "Guild Mortgage",
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          "type": "imb"
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          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "MI",
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          "MS",
          "NC",
          "NE",
          "NJ",
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          "PA",
          "SC",
          "TN",
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          "VA",
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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          {
            "state": "VA",
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          "state": "FL"
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        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html",
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          "PA",
          "TN",
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          {
            "state": "CO",
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            "confidence": "confirmed"
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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": "confirmed"
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            "confidence": "lender_reported"
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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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          "state": "FL"
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        "lender_profile_url": "https://www.intercaplending.com/loan-officer/erin-hendricks/",
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        "json_url": "https://lendb.ai/lo/jason-smith-210839.json",
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          "type": "imb"
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          "IL",
          "IN",
          "KY",
          "MO",
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          "NM",
          "NV",
          "OK",
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          "TX",
          "WA"
        ],
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          {
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          },
          {
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
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          {
            "state": "IL",
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          {
            "state": "IN",
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
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            "state": "NE",
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OK",
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          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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          "state": "TX"
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 29, 2015 (Texas), per state regulator",
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      ],
      "canonical_url": "https://lendb.ai/lo/jason-smith-210839",
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        "verified_at": "2026-10-09",
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        "down-payment-assistance"
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          "CA",
          "NM",
          "NV"
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        "verified_at": "2026-10-09",
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        "canonical_url": "https://lendb.ai/lo/april-janas-299013",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "AL",
          "AZ",
          "CO",
          "ID",
          "IL",
          "MT",
          "NV",
          "OR",
          "SC",
          "TN",
          "TX",
          "WA"
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            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "IL",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "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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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "slug": "heloc",
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        "earliest_license_record": {
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          "state": "TX"
        },
        "licensed_since": {
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          "state": "TX"
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        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/puyallup-wa-4189/april-janas/",
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 15, 2022 (Texas), per state regulator",
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        "canonical_url": "https://lendb.ai/lo/beth-lewis-219774",
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "state": "IL"
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          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "IL",
          "IN",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
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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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          {
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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}