{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=fha&state=DC",
  "filters": {
    "specialty": [
      "fha"
    ],
    "state": "DC",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 185192,
        "slug": "hong-luu-185192",
        "full_name": "Bobby Luu",
        "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
        "json_url": "https://lendb.ai/lo/hong-luu-185192.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Reston",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NE",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-11-30",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/bobby-luu",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 30, 2022 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/bobby-luu"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 58.5,
      "loan_officer": {
        "nmls_id": 474088,
        "slug": "james-f-gaudiosi-474088",
        "full_name": "James F. Gaudiosi",
        "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088",
        "json_url": "https://lendb.ai/lo/james-f-gaudiosi-474088.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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": 23,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 215208,
        "slug": "erin-johnson-215208",
        "full_name": "Erin Johnson",
        "canonical_url": "https://lendb.ai/lo/erin-johnson-215208",
        "json_url": "https://lendb.ai/lo/erin-johnson-215208.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "La Plata",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-08-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://firsthome.com/loan-officers/erin-johnson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 3, 2026 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/erin-johnson-215208",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/erin-johnson/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 313085,
        "slug": "jason-nader-313085",
        "full_name": "Jason Nader",
        "canonical_url": "https://lendb.ai/lo/jason-nader-313085",
        "json_url": "https://lendb.ai/lo/jason-nader-313085.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "PA",
          "DC",
          "DE",
          "MD",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-11-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/jason-nader/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 15, 2019 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-nader-313085",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/jason-nader/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
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      "rank": 5,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 2264602,
        "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"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "ID",
          "MD",
          "NC",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-16",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4538/erik-browning/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 16, 2023 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC 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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 51,
      "loan_officer": {
        "nmls_id": 820600,
        "slug": "amy-altenburg-820600",
        "full_name": "Amy Altenburg",
        "canonical_url": "https://lendb.ai/lo/amy-altenburg-820600",
        "json_url": "https://lendb.ai/lo/amy-altenburg-820600.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "NJ",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-02-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.southerntrust.com/amy-altenburg/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 26, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-altenburg-820600",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.southerntrust.com/amy-altenburg/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1288538,
        "slug": "chase-cusack-1288538",
        "full_name": "Chase Cusack",
        "canonical_url": "https://lendb.ai/lo/chase-cusack-1288538",
        "json_url": "https://lendb.ai/lo/chase-cusack-1288538.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/chase-cusack/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/chase-cusack-1288538",
      "license_check": {
        "state": "DC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/chase-cusack/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 706232,
        "slug": "matthew-sines-706232",
        "full_name": "Matt Sines",
        "canonical_url": "https://lendb.ai/lo/matthew-sines-706232",
        "json_url": "https://lendb.ai/lo/matthew-sines-706232.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Pensacola",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "DC",
          "MD",
          "TN",
          "VA"
        ],
        "licenses": [
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}