{
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          "NJ",
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          "VT"
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      "score": 62.8,
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        "json_url": "https://lendb.ai/lo/robert-kaiser-146468.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "NJ",
          "NY",
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          {
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            "confidence": "lender_reported"
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          {
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        "Earliest state license record: August 21, 2025 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468",
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          {
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        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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        "json_url": "https://lendb.ai/lo/jeremy-graham-8851.json",
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          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
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        "licensed_states": [
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
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        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
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          {
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            "evidence": "lender_page_text"
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          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/jeremy-graham",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: September 24, 2026 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeremy-graham-8851",
      "license_check": {
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        "canonical_url": "https://lendb.ai/lo/anita-aguilar-498749",
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        "lender": {
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          "name": "Cardinal Financial Company",
          "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247",
          "type": "imb"
        },
        "branch": {
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        },
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          "NY"
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          {
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          {
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/anita-aguilar/",
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        "Earliest state license record: March 5, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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}