{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=first-time-buyer&state=IN",
  "filters": {
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    "limit": 10
  },
  "count": 10,
  "results": [
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      "rank": 1,
      "score": 62.8,
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        "full_name": "Jon Knight",
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
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        "branch": {
          "city": "Carmel",
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        },
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          "FL",
          "IN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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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": 2024,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/jon-knight-175955",
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      },
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Carmel, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 10, 2024 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
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        "state": "IN",
        "confidence": "lender_reported",
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        "source_url": "https://www.fairway.com/lo/jon-knight-175955"
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      "matched_specialties": [
        "first-time-buyer"
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      "rank": 2,
      "score": 62.3,
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        "slug": "cori-drudge-229643",
        "full_name": "Cori Drudge",
        "canonical_url": "https://lendb.ai/lo/cori-drudge-229643",
        "json_url": "https://lendb.ai/lo/cori-drudge-229643.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
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        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "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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          "date": "2022-06-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 27,
        "lender_profile_url": "https://www.ruoff.com/CoriDrudge",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Fishers, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 14, 2022 (Florida), per state regulator",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cori-drudge-229643",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/CoriDrudge"
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      "matched_specialties": [
        "first-time-buyer"
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      "rank": 3,
      "score": 62,
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        "slug": "christy-white-543306",
        "full_name": "Christy White",
        "canonical_url": "https://lendb.ai/lo/christy-white-543306",
        "json_url": "https://lendb.ai/lo/christy-white-543306.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Indianapolis",
          "state": "IN"
        },
        "licensed_states": [
          "IL",
          "IN"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/in/indianapolis/christy-white-665-chchw.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Indianapolis, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/christy-white-543306",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/in/indianapolis/christy-white-665-chchw.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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      "rank": 4,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 608621,
        "slug": "jamie-castellana-608621",
        "full_name": "Jamie Castellana",
        "canonical_url": "https://lendb.ai/lo/jamie-castellana-608621",
        "json_url": "https://lendb.ai/lo/jamie-castellana-608621.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
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          "state": "IN"
        },
        "licensed_states": [
          "IN"
        ],
        "licenses": [
          {
            "state": "IN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.ruoff.com/JamieCastellana",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Indiana",
        "IN 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/jamie-castellana-608621",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/JamieCastellana"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
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      "unconfirmed_specialties": []
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      "rank": 5,
      "score": 61.3,
      "loan_officer": {
        "nmls_id": 166402,
        "slug": "michael-soliday-166402",
        "full_name": "Nathan Soliday",
        "canonical_url": "https://lendb.ai/lo/michael-soliday-166402",
        "json_url": "https://lendb.ai/lo/michael-soliday-166402.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Sellersburg",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "KY",
          "TN"
        ],
        "licenses": [
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-03-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 17,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/nathan-soliday/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Sellersburg, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 16, 2020 (Florida), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-soliday-166402",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/nathan-soliday/"
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      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 686541,
        "slug": "joseph-mcbreen-686541",
        "full_name": "Joe McBreen",
        "canonical_url": "https://lendb.ai/lo/joseph-mcbreen-686541",
        "json_url": "https://lendb.ai/lo/joseph-mcbreen-686541.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Michigan City",
          "state": "IN"
        },
        "licensed_states": [
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          "AL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DC",
          "GA",
          "IA",
          "IL",
          "IN",
          "LA",
          "MI",
          "MO",
          "MS",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2018-10-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
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        "years_experience": 16,
        "lender_profile_url": "https://crosscountrymortgage.com/michigan-city-in-3031/joseph-mcbreen/",
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      "reasons": [
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        "Office in Michigan City, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 16, 2018 (Florida), per state regulator",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-mcbreen-686541",
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        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/michigan-city-in-3031/joseph-mcbreen/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
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      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 60.3,
      "loan_officer": {
        "nmls_id": 562072,
        "slug": "jennifer-meyer-562072",
        "full_name": "Jennifer Meyer",
        "canonical_url": "https://lendb.ai/lo/jennifer-meyer-562072",
        "json_url": "https://lendb.ai/lo/jennifer-meyer-562072.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": "Wabash",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IN",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-09-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 16,
        "lender_profile_url": "https://www.ruoff.com/JenniferMeyer",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Wabash, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 16, 2022 (Florida), per state regulator",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-meyer-562072",
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        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/JenniferMeyer"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 3364,
        "slug": "jeremy-wetzel-3364",
        "full_name": "Jeremy Wetzel",
        "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364",
        "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "KY"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "KY",
          "OH",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-11-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 23,
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        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "IN 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",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/louisville-ky-2905/jeremy-wetzel/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 212085,
        "slug": "brian-sewell-212085",
        "full_name": "Brian Sewell",
        "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
        "json_url": "https://lendb.ai/lo/brian-sewell-212085.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Frankfort",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
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            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
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        "lender_profile_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
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      ],
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        "confidence": "lender_reported",
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        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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      "matched_specialties": [
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      "score": 59.8,
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MO",
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          "NC",
          "NV",
          "OH",
          "OR",
          "SD",
          "TN",
          "TX",
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        "licenses": [
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            "confidence": "lender_reported"
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            "state": "AL",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "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)",
        "IN 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": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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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  ]
}