{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=fha&state=WV",
  "filters": {
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      "score": 60.8,
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        "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581",
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          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
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          "PA",
          "VA",
          "WV"
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            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          "AZ",
          "CA",
          "CO",
          "IN",
          "KS",
          "MN",
          "MT",
          "NV",
          "NY",
          "OH",
          "OR",
          "TN",
          "TX",
          "WA",
          "WI",
          "WV"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          "state": "TX"
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          "year": 2022,
          "state": "TX"
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: February 22, 2022 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "confidence": "lender_reported",
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        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/cleveland-oh-2146/douglas-reese/"
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          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
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        "branch": {
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          "state": "TN"
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          "CO",
          "PA",
          "AL",
          "AR",
          "CA",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NV",
          "OH",
          "OR",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WV"
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
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        "languages": [],
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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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        "licensed_since": {
          "year": 2023,
          "state": "FL"
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        "json_url": "https://lendb.ai/lo/jason-inglish-934863.json",
        "lender": {
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          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
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        "branch": {
          "city": "Cumberland",
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        "licensed_states": [
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          "PA",
          "MD",
          "OH",
          "SC",
          "VA",
          "WV"
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            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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            "state": "WV",
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            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "usda",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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          "state": "FL"
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          "state": "FL"
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          "DE",
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          "IN",
          "MD",
          "ME",
          "MI",
          "MT",
          "NC",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
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          "WV",
          "WY"
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            "confidence": "lender_reported"
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            "state": "IN",
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            "state": "MD",
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            "state": "ME",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "NC",
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            "state": "PA",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "state": "VA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "WV",
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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      ],
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        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/"
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      "unconfirmed_specialties": []
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        "canonical_url": "https://lendb.ai/lo/joshua-phillips-157670",
        "json_url": "https://lendb.ai/lo/joshua-phillips-157670.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
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          "CT",
          "GA",
          "IA",
          "IN",
          "KY",
          "MS",
          "TN",
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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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            "slug": "usda",
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        "licensed_since": {
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        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/joshua-phillips",
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      "canonical_url": "https://lendb.ai/lo/joshua-phillips-157670",
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