{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=OK",
  "filters": {
    "specialty": [
      "down-payment-assistance"
    ],
    "state": "OK",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 59,
      "loan_officer": {
        "nmls_id": 744052,
        "slug": "kellie-buchanan-744052",
        "full_name": "Kellie Buchanan",
        "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
        "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.json",
        "lender": {
          "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": "confirmed"
          }
        ],
        "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": "2012-01-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2012,
          "state": "TX"
        },
        "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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 6, 2012 (Texas), 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": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 311377,
        "slug": "douglas-luza-311377",
        "full_name": "Doug Luza",
        "canonical_url": "https://lendb.ai/lo/douglas-luza-311377",
        "json_url": "https://lendb.ai/lo/douglas-luza-311377.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Katy",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-07-26",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/katy/doug-luza-35-apdlu.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2010 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/douglas-luza-311377",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/tx/katy/doug-luza-35-apdlu.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 474281,
        "slug": "camille-olson-474281",
        "full_name": "Camille Olson",
        "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
        "json_url": "https://lendb.ai/lo/camille-olson-474281.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "CO",
          "AL",
          "AZ",
          "GA",
          "ID",
          "MT",
          "NV",
          "OH",
          "OK",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-07-10",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2014,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/colson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 10, 2014 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.barrettfinancial.com/colson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 52,
      "loan_officer": {
        "nmls_id": 649456,
        "slug": "lenae-vandegrift-649456",
        "full_name": "Lenae Vandegrift",
        "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
        "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-06-27",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 27, 2016 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/lenae-vandegrift"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 176759,
        "slug": "daniel-campa-176759",
        "full_name": "Daniel Campa",
        "canonical_url": "https://lendb.ai/lo/daniel-campa-176759",
        "json_url": "https://lendb.ai/lo/daniel-campa-176759.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-04-05",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2016,
          "state": "TX"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3984/daniel-campa/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 5, 2016 (Texas), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-campa-176759",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/dallas-tx-3984/daniel-campa/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 207433,
        "slug": "jenay-bowen-207433",
        "full_name": "Jenay Bowen",
        "canonical_url": "https://lendb.ai/lo/jenay-bowen-207433",
        "json_url": "https://lendb.ai/lo/jenay-bowen-207433.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Rockwall",
          "state": "TX"
        },
        "licensed_states": [
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-10-14",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/rockwall-tx-4981/jenay-bowen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 14, 2010 (Texas), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jenay-bowen-207433",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/rockwall-tx-4981/jenay-bowen/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 210839,
        "slug": "jason-smith-210839",
        "full_name": "Jason Smith",
        "canonical_url": "https://lendb.ai/lo/jason-smith-210839",
        "json_url": "https://lendb.ai/lo/jason-smith-210839.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MO",
          "NE",
          "NM",
          "NV",
          "OK",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-09-29",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2015,
          "state": "TX"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK 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",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-smith-210839",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/scottsdale-az-4661/jason-smith/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 175312,
        "slug": "charles-oliver-175312",
        "full_name": "Charles Oliver",
        "canonical_url": "https://lendb.ai/lo/charles-oliver-175312",
        "json_url": "https://lendb.ai/lo/charles-oliver-175312.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "IL",
          "IN",
          "MI",
          "NC",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-09-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": 17,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 11, 2015 (Florida), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-oliver-175312",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/delray-beach-fl-3726/charles-oliver/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1100009,
        "slug": "monica-centeno-1100009",
        "full_name": "Monica Centeno",
        "canonical_url": "https://lendb.ai/lo/monica-centeno-1100009",
        "json_url": "https://lendb.ai/lo/monica-centeno-1100009.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Henderson",
          "state": "NV"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "AZ",
          "CA",
          "DE",
          "GA",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "MI",
          "MO",
          "MS",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-07-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 19, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/monica-centeno-1100009",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/monica-centeno-255-hdmce.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    }
  ]
}