{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=dscr&state=NJ",
  "filters": {
    "specialty": [
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    ],
    "state": "NJ",
    "limit": 10
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  "results": [
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      "score": 56.8,
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        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
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        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
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          "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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          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
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            "evidence": "lender_page_text"
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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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            "evidence": "lender_page_text"
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        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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    },
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      "rank": 2,
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        "json_url": "https://lendb.ai/lo/walter-gorman-138370.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
        },
        "branch": {
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          "state": "NJ"
        },
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          "FL",
          "CT",
          "NJ",
          "NY",
          "PA",
          "VA"
        ],
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "Branch in New Jersey",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
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        "json_url": "https://lendb.ai/lo/john-nguyen-389742.json",
        "lender": {
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          "name": "Guild Mortgage",
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          "type": "imb"
        },
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          "state": "FL"
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          "AL",
          "AR",
          "CA",
          "CO",
          "GA",
          "HI",
          "IL",
          "KS",
          "LA",
          "MI",
          "NC",
          "NJ",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
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          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/john-nguyen-199-hpjng.html"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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        "json_url": "https://lendb.ai/lo/john-oksen-1540251.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "NJ"
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          "NJ"
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        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tinton-falls-nj-3864/john-oksen/"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "Branch in New Jersey",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 5,
      "score": 51.5,
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        "full_name": "Johanna Arias",
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        "json_url": "https://lendb.ai/lo/johanna-arias-908021.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "PA"
        ],
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "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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        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 6,
      "score": 49.8,
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        "slug": "tracey-radinovic-997560",
        "full_name": "Tracey Radinovic",
        "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
        "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": 14,
        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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    },
    {
      "rank": 7,
      "score": 49.3,
      "loan_officer": {
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        "slug": "jaison-koshy-1415046",
        "full_name": "Jaison Koshy",
        "canonical_url": "https://lendb.ai/lo/jaison-koshy-1415046",
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
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          "state": null
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          "PA"
        ],
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        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": 10,
        "years_experience": 15,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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    },
    {
      "rank": 8,
      "score": 48.3,
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        "slug": "steve-furdock-376017",
        "full_name": "Steve Furdock",
        "canonical_url": "https://lendb.ai/lo/steve-furdock-376017",
        "json_url": "https://lendb.ai/lo/steve-furdock-376017.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
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          "state": null
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          "CA",
          "GA",
          "IL",
          "IN",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TX"
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": null,
        "lender_profile_url": "https://litfinancial.com/loan-experts/steve-furdock"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 9,
      "score": 45.3,
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        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
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          "state": null
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          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IL",
          "MA",
          "MN",
          "NC",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/vivek-agarwal-2564210"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/vivek-agarwal-2564210"
    },
    {
      "rank": 10,
      "score": 44.8,
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        "full_name": "Keith Allen",
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        "json_url": "https://lendb.ai/lo/keith-allen-198190.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "CA",
          "NJ"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": 33,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/keith-allen-198190"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in NJ (listed on lender page, verified 2026-10-09)",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/keith-allen-198190"
    }
  ]
}