{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=dscr&state=MI",
  "filters": {
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      "dscr"
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    "state": "MI",
    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 59.8,
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        "nmls_id": 312131,
        "slug": "kirk-taylor-312131",
        "full_name": "Kirk Taylor",
        "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131",
        "json_url": "https://lendb.ai/lo/kirk-taylor-312131.json",
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          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "FL"
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          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "MA",
          "MI",
          "NV",
          "OK",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "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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            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          "date": "2014-03-21",
          "state": "FL"
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          "year": 2014,
          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/",
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        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 21, 2014 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/"
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        "dscr"
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        "json_url": "https://lendb.ai/lo/jason-fox-179208.json",
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          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
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          "state": "MD"
        },
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          "FL",
          "CA",
          "CO",
          "DC",
          "DE",
          "IA",
          "IL",
          "IN",
          "MD",
          "MI",
          "MN",
          "NC",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "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": "WV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          "date": "2018-09-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
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        "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/",
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      },
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        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 18, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-fox-179208",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
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      "score": 51.5,
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        "nmls_id": 2451140,
        "slug": "jonathan-salinas-2451140",
        "full_name": "Jonathan Salinas",
        "canonical_url": "https://lendb.ai/lo/jonathan-salinas-2451140",
        "json_url": "https://lendb.ai/lo/jonathan-salinas-2451140.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Memphis",
          "state": "TN"
        },
        "licensed_states": [
          "AR",
          "CO",
          "IL",
          "MI",
          "MS",
          "TN"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-02-13",
          "state": "FL"
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        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/memphis-tn-2810/jonathan-salinas/",
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        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 13, 2023 (Florida), per state regulator"
      ],
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        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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      "score": 50.5,
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        "slug": "saran-mandhadapu-2417126",
        "full_name": "Saran Mandhadapu",
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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          "state": null
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        "licensed_states": [
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          "PA",
          "AZ",
          "MD",
          "MI",
          "MN",
          "OH",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "hi",
          "ta",
          "te"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2022-12-19",
          "state": "FL"
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          "year": 2022,
          "state": "FL"
        },
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        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 19, 2022 (Florida), per state regulator"
      ],
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        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "type": "imb"
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          "state": null
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          "CA",
          "GA",
          "IL",
          "IN",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TX"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
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            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2011-01-03",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2011,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://litfinancial.com/loan-experts/steve-furdock",
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      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 3, 2011 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/steve-furdock-376017",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://litfinancial.com/loan-experts/steve-furdock"
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      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 47.3,
      "loan_officer": {
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        "slug": "nic-bucca-1086681",
        "full_name": "Nic Bucca",
        "canonical_url": "https://lendb.ai/lo/nic-bucca-1086681",
        "json_url": "https://lendb.ai/lo/nic-bucca-1086681.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
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        "licensed_states": [
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          "CO",
          "CT",
          "GA",
          "LA",
          "MI",
          "PA",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2013-09-23",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2013,
          "state": "TX"
        },
        "years_experience": 11,
        "lender_profile_url": "https://litfinancial.com/loan-experts/nic-bucca",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 23, 2013 (Texas), per state regulator",
        "States 11 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nic-bucca-1086681",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://litfinancial.com/loan-experts/nic-bucca"
      },
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      "matched_specialties": [
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      "score": 46.8,
      "loan_officer": {
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