{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=first-time-buyer&state=MI",
  "filters": {
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    "state": "MI",
    "limit": 10
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  "results": [
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      "rank": 1,
      "score": 62.8,
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        "nmls_id": 80625,
        "slug": "gus-dahlgren-80625",
        "full_name": "Gus Dahlgren",
        "canonical_url": "https://lendb.ai/lo/gus-dahlgren-80625",
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          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
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        "branch": {
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        },
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          "MI",
          "TX"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-14)",
        "Office in East Lansing, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 13, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/gus-dahlgren/"
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        "canonical_url": "https://lendb.ai/lo/troy-rabidoux-771053",
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          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
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        "branch": {
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          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "MI",
          "NC",
          "TN"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.uhm.com/loan-officers/troy-rabidoux/",
        "disciplinary_check": "not_checked"
      },
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-14)",
        "Office in Rochester, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 28, 2021 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/troy-rabidoux/"
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      "score": 62.8,
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        "slug": "jason-a-walker-2384353",
        "full_name": "Jason A Walker",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "MI"
        },
        "licensed_states": [
          "IN",
          "MI",
          "OH"
        ],
        "licenses": [
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/grand-haven-mi-3951/jason-a-walker/",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
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        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-a-walker-2384353",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/grand-haven-mi-3951/jason-a-walker/"
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      "match_status": "exact",
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      "rank": 4,
      "score": 62.3,
      "loan_officer": {
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        "slug": "dawn-mccarty-hoppes-82364",
        "full_name": "Dawn McCarty-Hoppes",
        "canonical_url": "https://lendb.ai/lo/dawn-mccarty-hoppes-82364",
        "json_url": "https://lendb.ai/lo/dawn-mccarty-hoppes-82364.json",
        "lender": {
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          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
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        "branch": {
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          "state": "MI"
        },
        "licensed_states": [
          "MI"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 32,
        "lender_profile_url": "https://www.ruoff.com/DawnMcCarty-Hoppes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Michigan",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 32 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-mccarty-hoppes-82364",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/DawnMcCarty-Hoppes"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
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      "unconfirmed_specialties": []
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    {
      "rank": 5,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 153808,
        "slug": "katie-lawrence-153808",
        "full_name": "Katie Lawrence",
        "canonical_url": "https://lendb.ai/lo/katie-lawrence-153808",
        "json_url": "https://lendb.ai/lo/katie-lawrence-153808.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Brighton",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "MI",
          "NC",
          "OH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2021-06-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "lender_profile_url": "https://www.uhm.com/loan-officers/katie-lawrence/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-14)",
        "Office in Brighton, MI",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 28, 2021 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/katie-lawrence-153808",
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        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/katie-lawrence/"
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      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 16446,
        "slug": "denise-panza-16446",
        "full_name": "Denise Panza",
        "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
        "json_url": "https://lendb.ai/lo/denise-panza-16446.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "PA",
          "CT",
          "GA",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NH",
          "NJ",
          "NV",
          "NY",
          "OH",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "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": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "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": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "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"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2011-02-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
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        "years_experience": 30,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-panza",
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      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 10, 2011 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.totalmortgage.com/bankers/denise-panza"
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      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 59.8,
      "loan_officer": {
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        "slug": "adam-workman-128183",
        "full_name": "Adam Workman",
        "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
        "json_url": "https://lendb.ai/lo/adam-workman-128183.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
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        "licenses": [
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "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": "HI",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "IL",
            "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": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "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"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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            "state": "SD",
            "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": "VA",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2013-12-12",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2013,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/",
        "disciplinary_check": "not_checked"
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        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 12, 2013 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
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        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/"
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        "canonical_url": "https://lendb.ai/lo/marisol-pena-284255",
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          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
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        },
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          "MI"
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        "licenses": [
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            "confidence": "confirmed"
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        "lender_profile_url": "https://www.fairway.com/lo/marisol-pena-284255",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 28, 2021 (Florida), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/marisol-pena-284255",
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        "source_url": "https://www.fairway.com/lo/marisol-pena-284255"
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "AZ",
          "CA",
          "CO",
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          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MO",
          "MT",
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          "NV",
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          "OR",
          "SD",
          "TN",
          "TX",
          "VA",
          "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": "CO",
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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            "state": "ID",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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        "licensed_since": {
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          "state": "TX"
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        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5531/julie-lyon-johnson/",
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      "reasons": [
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        "MI 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)"
      ],
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        "label": "MI 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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        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          {
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            "state": "MO",
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          {
            "state": "MS",
            "confidence": "lender_reported"
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            "state": "MT",
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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          {
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            "confidence": "lender_reported"
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