{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=VT",
  "filters": {
    "specialty": [
      "down-payment-assistance"
    ],
    "state": "VT",
    "limit": 10
  },
  "count": 3,
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 19006,
        "slug": "kathryn-reagan-19006",
        "full_name": "Kate Reagan",
        "canonical_url": "https://lendb.ai/lo/kathryn-reagan-19006",
        "json_url": "https://lendb.ai/lo/kathryn-reagan-19006.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Easthampton",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "VT"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-08-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/easthampton/kate-reagan-452-rgkre.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 16, 2019 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kathryn-reagan-19006",
      "license_check": {
        "state": "VT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VT 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/ma/easthampton/kate-reagan-452-rgkre.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 29613,
        "slug": "george-koutsos-29613",
        "full_name": "George Koutsos",
        "canonical_url": "https://lendb.ai/lo/george-koutsos-29613",
        "json_url": "https://lendb.ai/lo/george-koutsos-29613.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "TX",
          "VA",
          "VT"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-04-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2013,
          "state": "FL"
        },
        "years_experience": 35,
        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4804/george-koutsos/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 11, 2013 (Florida), per state regulator",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-koutsos-29613",
      "license_check": {
        "state": "VT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VT 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/beverly-ma-4804/george-koutsos/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 1408534,
        "slug": "andre-yarina-1408534",
        "full_name": "Andre Yarina",
        "canonical_url": "https://lendb.ai/lo/andre-yarina-1408534",
        "json_url": "https://lendb.ai/lo/andre-yarina-1408534.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "CO",
          "PA",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "IA",
          "IN",
          "KY",
          "LA",
          "MD",
          "ME",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "RI",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "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": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-11-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/andre-yarina/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 17, 2017 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/andre-yarina-1408534",
      "license_check": {
        "state": "VT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VT 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/cleveland-oh-2036/andre-yarina/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
      ],
      "unconfirmed_specialties": []
    }
  ]
}