{
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  "filters": {
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          "state": "OH"
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          "FL",
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          "CA",
          "CO",
          "IN",
          "KS",
          "MN",
          "MT",
          "NV",
          "NY",
          "OH",
          "OR",
          "TN",
          "TX",
          "WA",
          "WI",
          "WV"
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          {
            "state": "AZ",
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "state": "NV",
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            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "WA",
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            "confidence": "lender_reported"
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            "state": "WV",
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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          "state": "FL"
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        "Earliest state license record: August 10, 2022 (Florida), per state regulator",
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          "KS",
          "MO"
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            "state": "MO",
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
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        "state": "KS",
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        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "IA",
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          "KS",
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          "LA",
          "ME",
          "MI",
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          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
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            "state": "AL",
            "confidence": "lender_reported"
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
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            "state": "ID",
            "confidence": "lender_reported"
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            "state": "IL",
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
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            "state": "KY",
            "confidence": "lender_reported"
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            "state": "LA",
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        "earliest_license_record": {
          "date": "2020-02-13",
          "state": "FL"
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        "licensed_since": {
          "year": 2020,
          "state": "FL"
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        "Earliest state license record: February 13, 2020 (Florida), per state regulator",
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          "name": "Churchill Mortgage",
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          "type": "imb"
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          "AR",
          "CA",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
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          "NV",
          "OH",
          "OR",
          "SD",
          "TN",
          "TX",
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            "state": "IL",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "KS",
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            "state": "MI",
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            "confidence": "confirmed"
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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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          "OK",
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            "confidence": "lender_reported"
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          {
            "state": "FL",
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            "state": "IN",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          {
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560",
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      "reasons": [
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        "source_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
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          "type": "imb"
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          "IN",
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          "TX"
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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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": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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          },
          {
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          "date": "2013-01-11",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/",
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      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 11, 2013 (Colorado), per state regulator",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445",
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        "eligible": true,
        "label": "KS 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/lakewood-co-5139/darik-tolnay/"
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    {
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      "score": 55.8,
      "loan_officer": {
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        "slug": "lauren-brown-454673",
        "full_name": "Lauren Brown",
        "canonical_url": "https://lendb.ai/lo/lauren-brown-454673",
        "json_url": "https://lendb.ai/lo/lauren-brown-454673.json",
        "lender": {
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          "name": "AnnieMac Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/anniemac-home-mortgage-338923",
          "type": "imb"
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        "branch": {
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          "state": "NJ"
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        "licensed_states": [
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          "MO"
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        "licenses": [
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            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://annie-mac.com/lo/laurenbrown/",
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      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-10)",
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        "States 20 years of experience (lender page, 2026-10-10)"
      ],
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        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://annie-mac.com/lo/laurenbrown/"
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      "score": 54.8,
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        "slug": "james-finch-289998",
        "full_name": "James Finch",
        "canonical_url": "https://lendb.ai/lo/james-finch-289998",
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          "name": "Guild Mortgage",
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          "type": "imb"
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          "MO"
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            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ks/overlandpark/james-finch-616-cnjf.html",
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        "Office in Overland Park, KS",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
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        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ks/overlandpark/james-finch-616-cnjf.html"
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        "json_url": "https://lendb.ai/lo/gregory-brooks-151145.json",
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          "type": "imb"
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        "branch": {
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          "state": "CA"
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          "AZ",
          "CA",
          "KS",
          "MO",
          "OR",
          "TX",
          "UT",
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        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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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": "UT",
            "confidence": "lender_reported"
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        "earliest_license_record": {
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/greg-brooks-610-kmgjb.html",
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        "Earliest state license record: April 21, 2017 (Florida), per state regulator"
      ],
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        "source_url": "https://branches.guildmortgage.com/ca/sandiego/greg-brooks-610-kmgjb.html"
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        "lender": {
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "MI",
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          "MS",
          "NC",
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          "NM",
          "NV",
          "OK",
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          "SC",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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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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          {
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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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        },
        "licensed_since": {
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          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3365/jackson-thomas/",
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        "Earliest state license record: July 10, 2017 (Colorado), per state regulator"
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}