{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=fha&state=HI",
  "filters": {
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      "fha"
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    "limit": 10
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      "score": 53.5,
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          "state": "HI"
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          "CO",
          "CA",
          "HI",
          "TX",
          "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "CO"
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        "Earliest state license record: January 3, 2024 (Colorado), per state regulator",
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          "type": "imb"
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        "branch": {
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          "state": "HI"
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        "licensed_states": [
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          "NV",
          "WA"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
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          "state": "CA"
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          "AK",
          "AL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "ME",
          "MI",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "WA",
          "WI"
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            "confidence": "lender_reported"
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          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "GA",
            "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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            "confidence": "lender_reported"
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            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
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          {
            "state": "KY",
            "confidence": "lender_reported"
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            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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            "state": "WI",
            "confidence": "lender_reported"
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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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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2015-09-24",
          "state": "TX"
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        "licensed_since": {
          "year": 2015,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lindsay-witter",
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      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 24, 2015 (Texas), per state regulator"
      ],
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        "eligible": true,
        "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
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          "CA",
          "HI",
          "NM",
          "NV",
          "OR",
          "WA"
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        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "HI",
            "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": "OR",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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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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        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-rudrud/",
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          "AZ",
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          "IA",
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          "KS",
          "KY",
          "MO",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
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            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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            "state": "FL",
            "confidence": "confirmed"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "state": "TX",
            "confidence": "confirmed"
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            "state": "UT",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747"
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      "loan_officer": {
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        "full_name": "Jane Kwok",
        "canonical_url": "https://lendb.ai/lo/jane-kwok-1232710",
        "json_url": "https://lendb.ai/lo/jane-kwok-1232710.json",
        "lender": {
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          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
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        "branch": {
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          "state": "GU"
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        "licensed_states": [
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          "IN",
          "MO"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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            "state": "MO",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/jane-kwok",
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        "eligible": true,
        "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.cmghomeloans.com/mysite/jane-kwok"
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        "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "OR"
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        "licensed_states": [
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          "OR",
          "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          "CA",
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          "HI",
          "ID",
          "MO",
          "MT",
          "NC",
          "ND",
          "OR",
          "TX",
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          {
            "state": "CA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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