{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=dscr&state=TN",
  "filters": {
    "specialty": [
      "dscr"
    ],
    "state": "TN",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 194641,
        "slug": "wendy-seagle-194641",
        "full_name": "Wendy Seagle",
        "canonical_url": "https://lendb.ai/lo/wendy-seagle-194641",
        "json_url": "https://lendb.ai/lo/wendy-seagle-194641.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Walton Beach",
          "state": "FL"
        },
        "licensed_states": [
          "AL",
          "FL",
          "LA",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 35,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-5300/wendy-seagle/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/wendy-seagle-194641",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/fort-walton-beach-fl-5300/wendy-seagle/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-01-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 6, 2012 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/boca-raton-fl-3701/eric-rosemary/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
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        "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",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "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"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "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": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-03-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "TN 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/naples-fl-8209/kirk-taylor/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 54.5,
      "loan_officer": {
        "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"
          }
        ],
        "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"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-02-13",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/memphis-tn-2810/jonathan-salinas/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Office in Memphis, TN",
        "TN 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"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-salinas-2451140",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/memphis-tn-2810/jonathan-salinas/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 5,
      "score": 53.8,
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        "slug": "jason-fox-179208",
        "full_name": "Jason Fox",
        "canonical_url": "https://lendb.ai/lo/jason-fox-179208",
        "json_url": "https://lendb.ai/lo/jason-fox-179208.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Frederick",
          "state": "MD"
        },
        "licensed_states": [
          "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"
          },
          {
            "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"
          }
        ],
        "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"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-09-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "TN 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",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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": []
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1778160,
        "slug": "hunter-strayhorn-1778160",
        "full_name": "Hunter Strayhorn",
        "canonical_url": "https://lendb.ai/lo/hunter-strayhorn-1778160",
        "json_url": "https://lendb.ai/lo/hunter-strayhorn-1778160.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Johnson City",
          "state": "TN"
        },
        "licensed_states": [
          "NC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/johnson-city-tn-4677/hunter-strayhorn/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Office in Johnson City, TN",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/hunter-strayhorn-1778160",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/johnson-city-tn-4677/hunter-strayhorn/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 216357,
        "slug": "joshua-penland-216357",
        "full_name": "Josh Penland",
        "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
        "json_url": "https://lendb.ai/lo/joshua-penland-216357.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Round Rock",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-09-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": 23,
        "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 22, 2010 (Texas), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
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        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/josh-penland-216357"
      },
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      "score": 51.8,
      "loan_officer": {
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        "slug": "erik-browning-2264602",
        "full_name": "Erik Browning",
        "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
        "json_url": "https://lendb.ai/lo/erik-browning-2264602.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "AZ"
        },
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          "AZ",
          "CA",
          "CO",
          "DC",
          "ID",
          "MD",
          "NC",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "TX"
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        "licensed_since": {
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          "state": "TX"
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        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: September 15, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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-4538/erik-browning/"
      },
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      "matched_specialties": [
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      "score": 50.8,
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        "full_name": "Jerry Turner",
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        "json_url": "https://lendb.ai/lo/jerry-turner-2006641.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "state": "TN"
        },
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          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/clarksville-tn-2828/gerald-turner/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/clarksville-tn-2828/gerald-turner/"
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      "score": 50.3,
      "loan_officer": {
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        "full_name": "Jim Brettl",
        "canonical_url": "https://lendb.ai/lo/jim-brettl-455400",
        "json_url": "https://lendb.ai/lo/jim-brettl-455400.json",
        "lender": {
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          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
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        },
        "branch": {
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          "state": null
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          "AZ",
          "CA",
          "GA",
          "ID",
          "LA",
          "NC",
          "NV",
          "OR",
          "PA",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          "state": "TX"
        },
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        "lender_profile_url": "https://xperthomelending.com/loan-directory/jim-brettl",
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      ],
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}