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          "CT",
          "GA",
          "KY",
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          "MI",
          "NC",
          "NH",
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          "NY",
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          "TX",
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      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 146468,
        "slug": "robert-kaiser-146468",
        "full_name": "Rob Kaiser",
        "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468",
        "json_url": "https://lendb.ai/lo/robert-kaiser-146468.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NJ",
          "NY",
          "PA",
          "TX"
        ],
        "licenses": [
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            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
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            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4194/robert-kaiser/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 21, 2025 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ 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/sarasota-fl-4194/robert-kaiser/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 182738,
        "slug": "adam-missry-182738",
        "full_name": "Adam Missry",
        "canonical_url": "https://lendb.ai/lo/adam-missry-182738",
        "json_url": "https://lendb.ai/lo/adam-missry-182738.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Brooklyn",
          "state": "NY"
        },
        "licensed_states": [
          "CA",
          "NJ",
          "PA",
          "TX",
          "NY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2025-12-15",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/adam-missry",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 15, 2025 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-missry-182738",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/adam-missry"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 10,
      "score": 59.8,
      "loan_officer": {
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        "slug": "denise-lott-704436",
        "full_name": "Denise Lott",
        "canonical_url": "https://lendb.ai/lo/denise-lott-704436",
        "json_url": "https://lendb.ai/lo/denise-lott-704436.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Savannah",
          "state": "GA"
        },
        "licensed_states": [
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          "AL",
          "GA",
          "IL",
          "MD",
          "ME",
          "NJ",
          "SC"
        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "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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          "date": "2020-02-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.uhm.com/loan-officers/denise-lott/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-14)",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 11, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-lott-704436",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.uhm.com/loan-officers/denise-lott/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
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      "unconfirmed_specialties": []
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}