{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=fha&state=NM",
  "filters": {
    "specialty": [
      "fha"
    ],
    "state": "NM",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 2638408,
        "slug": "brenda-gonzales-2638408",
        "full_name": "Brenda Gonzales",
        "canonical_url": "https://lendb.ai/lo/brenda-gonzales-2638408",
        "json_url": "https://lendb.ai/lo/brenda-gonzales-2638408.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Albuquerque",
          "state": "NM"
        },
        "licensed_states": [
          "NM"
        ],
        "licenses": [
          {
            "state": "NM",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/nm/albuquerque/brenda-gonzales-968-lgbg.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Albuquerque, NM",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brenda-gonzales-2638408",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM 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/nm/albuquerque/brenda-gonzales-968-lgbg.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 368259,
        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-01-25",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 25, 2007 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 501286,
        "slug": "bruce-gibson-501286",
        "full_name": "Bruce Gibson",
        "canonical_url": "https://lendb.ai/lo/bruce-gibson-501286",
        "json_url": "https://lendb.ai/lo/bruce-gibson-501286.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "CO",
          "NM"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-12-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 28,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/bruce-gibson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 5, 2022 (Florida), per state regulator",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/bruce-gibson-501286",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://xperthomelending.com/loan-directory/bruce-gibson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 521445,
        "slug": "darik-tolnay-521445",
        "full_name": "Darik Tolnay",
        "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445",
        "json_url": "https://lendb.ai/lo/darik-tolnay-521445.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lakewood",
          "state": "CO"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "IN",
          "KS",
          "MO",
          "NM",
          "NV",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "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": "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/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM 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",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM 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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 1190420,
        "slug": "jackson-thomas-1190420",
        "full_name": "Jackson Thomas",
        "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420",
        "json_url": "https://lendb.ai/lo/jackson-thomas-1190420.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "KS",
          "LA",
          "MA",
          "MI",
          "MO",
          "MS",
          "NC",
          "NE",
          "NM",
          "NV",
          "OK",
          "OR",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "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": "2014-12-05",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2014,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3365/jackson-thomas/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 5, 2014 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM 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/dallas-tx-3365/jackson-thomas/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 2052424,
        "slug": "ryne-bernal-2052424",
        "full_name": "Ryne Bernal",
        "canonical_url": "https://lendb.ai/lo/ryne-bernal-2052424",
        "json_url": "https://lendb.ai/lo/ryne-bernal-2052424.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Allen",
          "state": "TX"
        },
        "licensed_states": [
          "KS",
          "LA",
          "NM",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "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": "2021-06-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2021,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/ryne-bernal",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 16, 2021 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ryne-bernal-2052424",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/ryne-bernal"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 52,
      "loan_officer": {
        "nmls_id": 649456,
        "slug": "lenae-vandegrift-649456",
        "full_name": "Lenae Vandegrift",
        "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
        "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-06-27",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 27, 2016 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM 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/lenae-vandegrift"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 216357,
        "slug": "joshua-penland-216357",
        "full_name": "Josh Penland",
        "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
        "json_url": "https://lendb.ai/lo/joshua-penland-216357.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Round Rock",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-09-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": 23,
        "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 22, 2010 (Texas), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/josh-penland-216357"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 279638,
        "slug": "emily-magill-279638",
        "full_name": "Emily Magill",
        "canonical_url": "https://lendb.ai/lo/emily-magill-279638",
        "json_url": "https://lendb.ai/lo/emily-magill-279638.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pleasant Grove",
          "state": "UT"
        },
        "licensed_states": [
          "NM",
          "NV",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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": 28,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/emily-magill/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/emily-magill-279638",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/emily-magill/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 852144,
        "slug": "burx-norrod-852144",
        "full_name": "Burx Norrod",
        "canonical_url": "https://lendb.ai/lo/burx-norrod-852144",
        "json_url": "https://lendb.ai/lo/burx-norrod-852144.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "NM",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-06-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/bnorrod",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 16, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/burx-norrod-852144",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.barrettfinancial.com/bnorrod"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    }
  ]
}