{
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  "filters": {
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          "ID",
          "NV",
          "WA"
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            "confidence": "lender_reported"
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          "CO",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "MT",
          "NV",
          "OK",
          "OR",
          "SD",
          "TX",
          "WA"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          "state": "TX"
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          "state": "TX"
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        "Office in Eagle, ID",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2023 (Texas), per state regulator",
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        "lender": {
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          "type": "imb"
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        "branch": {
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          "state": "KY"
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          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "KY",
          "OH",
          "TN",
          "VA"
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "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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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 3, 2011 (Florida), per state regulator",
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        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 59.8,
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        "slug": "phil-lyman-218232",
        "full_name": "Phil Lyman",
        "canonical_url": "https://lendb.ai/lo/phil-lyman-218232",
        "json_url": "https://lendb.ai/lo/phil-lyman-218232.json",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
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          "state": "OR"
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        "licensed_states": [
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          "CA",
          "ID",
          "OR",
          "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "lender_profile_url": "https://branches.guildmortgage.com/or/portland/phil-lyman-881-chply.html",
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          "canonical_url": "https://lendb.ai/lender/evergreen-home-loans-3182",
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          "ID",
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          "NC",
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          "TN"
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          {
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        "specialties": [
          {
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            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2025-01-24",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5531/julie-lyon-johnson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 24, 2025 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/julie-johnson-302214",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID 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/seattle-wa-5531/julie-lyon-johnson/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 408639,
        "slug": "sam-williams-408639",
        "full_name": "Sam Williams",
        "canonical_url": "https://lendb.ai/lo/sam-williams-408639",
        "json_url": "https://lendb.ai/lo/sam-williams-408639.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Salem",
          "state": "OR"
        },
        "licensed_states": [
          "ID",
          "IL",
          "MT",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/sam-williams",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sam-williams-408639",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID 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/sam-williams"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 9,
      "score": 58.5,
      "loan_officer": {
        "nmls_id": 1399453,
        "slug": "sheilla-lavadia-1399453",
        "full_name": "Sheilla Lavadia",
        "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
        "json_url": "https://lendb.ai/lo/sheilla-lavadia-1399453.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "HI",
          "ID",
          "KS",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2023-03-23",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 23, 2023 (Texas), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 10,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 1122404,
        "slug": "andrea-eggleton-1122404",
        "full_name": "Andrea Eggleton",
        "canonical_url": "https://lendb.ai/lo/andrea-eggleton-1122404",
        "json_url": "https://lendb.ai/lo/andrea-eggleton-1122404.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "ID",
          "NV",
          "UT"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-07-08",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2020,
          "state": "CO"
        },
        "years_experience": 17,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/andrea-eggleton/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 8, 2020 (Colorado), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrea-eggleton-1122404",
      "license_check": {
        "state": "ID",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID 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/andrea-eggleton/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
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      "unconfirmed_specialties": []
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  ]
}