{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=fha&state=MA",
  "filters": {
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      "fha"
    ],
    "state": "MA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
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        "slug": "anthony-raby-3961",
        "full_name": "Tony Raby",
        "canonical_url": "https://lendb.ai/lo/anthony-raby-3961",
        "json_url": "https://lendb.ai/lo/anthony-raby-3961.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Attleboro",
          "state": "MA"
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          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-03-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
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        "years_experience": 20,
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        "disciplinary_check": "not_checked"
      },
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in North Attleboro, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 23, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-raby-3961",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ma/northattleboro/tony-raby-112-rgara.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
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      "unconfirmed_specialties": []
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      "rank": 2,
      "score": 62.8,
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        "nmls_id": 4395,
        "slug": "fred-damore-4395",
        "full_name": "Fred Damore",
        "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
        "json_url": "https://lendb.ai/lo/fred-damore-4395.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Methuen",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/fred-damore-4395",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Methuen, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/fred-damore-4395"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
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      "unconfirmed_specialties": []
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    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 4059,
        "slug": "domenic-apostolico-4059",
        "full_name": "Domenic Apostolico",
        "canonical_url": "https://lendb.ai/lo/domenic-apostolico-4059",
        "json_url": "https://lendb.ai/lo/domenic-apostolico-4059.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Cranston",
          "state": "RI"
        },
        "licensed_states": [
          "CT",
          "MA",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 37,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/domenic-apostolico",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 37 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/domenic-apostolico-4059",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.totalmortgage.com/bankers/domenic-apostolico"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 366451,
        "slug": "susan-mcgrath-366451",
        "full_name": "Susan McGrath",
        "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451",
        "json_url": "https://lendb.ai/lo/susan-mcgrath-366451.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",
          "MA",
          "NC",
          "NH",
          "NJ"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 40,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/susan-mcgrath/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 15, 2022 (Florida), per state regulator",
        "States 40 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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-3744/susan-mcgrath/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 509630,
        "slug": "alina-burke-509630",
        "full_name": "Alina Burke",
        "canonical_url": "https://lendb.ai/lo/alina-burke-509630",
        "json_url": "https://lendb.ai/lo/alina-burke-509630.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "ME"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "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": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/alina-burke/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 2, 2023 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alina-burke-509630",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.successmortgagepartners.com/advisor/alina-burke/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 42492,
        "slug": "sarah-haberkorn-42492",
        "full_name": "Sarah Haberkorn",
        "canonical_url": "https://lendb.ai/lo/sarah-haberkorn-42492",
        "json_url": "https://lendb.ai/lo/sarah-haberkorn-42492.json",
        "lender": {
          "nmls_id": 6666,
          "name": "Envoy Mortgage",
          "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666",
          "type": "imb"
        },
        "branch": {
          "city": "Dover",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-04-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 19,
        "lender_profile_url": "https://www.envoymortgage.com/shaberkorn/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 23, 2020 (Florida), per state regulator",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sarah-haberkorn-42492",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.envoymortgage.com/shaberkorn/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 157850,
        "slug": "lisa-capicchioni-157850",
        "full_name": "Lisa Capicchioni",
        "canonical_url": "https://lendb.ai/lo/lisa-capicchioni-157850",
        "json_url": "https://lendb.ai/lo/lisa-capicchioni-157850.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Manchester",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-03-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/nh/manchester/lisa-capicchioni-876-rglca.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 20, 2025 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-capicchioni-157850",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/nh/manchester/lisa-capicchioni-876-rglca.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 105723,
        "slug": "leonid-liss-105723",
        "full_name": "Leon Liss",
        "canonical_url": "https://lendb.ai/lo/leonid-liss-105723",
        "json_url": "https://lendb.ai/lo/leonid-liss-105723.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-01-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/leonid-liss/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 11, 2011 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/leonid-liss-105723",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.newrez.com/find-loan-officer/leonid-liss/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
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      "unconfirmed_specialties": []
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    {
      "rank": 9,
      "score": 57,
      "loan_officer": {
        "nmls_id": 441861,
        "slug": "john-astrologo-441861",
        "full_name": "John Astrologo",
        "canonical_url": "https://lendb.ai/lo/john-astrologo-441861",
        "json_url": "https://lendb.ai/lo/john-astrologo-441861.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "White Plains",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IN",
          "MA",
          "MN",
          "NC",
          "NJ",
          "NY",
          "PA",
          "SC"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-03-22",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 16,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 22, 2022 (Florida), per state regulator",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-astrologo-441861",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/white-plains-ny-5808/john-astrologo/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 109568,
        "slug": "michael-wendorf-109568",
        "full_name": "Michael Alan Wendorf",
        "canonical_url": "https://lendb.ai/lo/michael-wendorf-109568",
        "json_url": "https://lendb.ai/lo/michael-wendorf-109568.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "PA",
          "CO",
          "AZ",
          "GA",
          "MA",
          "MD",
          "NC",
          "NJ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-12-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/michael-alan-wendorf/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 18, 2015 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-wendorf-109568",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.newrez.com/find-loan-officer/michael-alan-wendorf/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    }
  ]
}