{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=first-time-buyer&state=RI",
  "filters": {
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    "state": "RI",
    "limit": 10
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      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 16446,
        "slug": "denise-panza-16446",
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        "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
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        "lender": {
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          "type": "imb"
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        "branch": {
          "city": "Naples",
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        },
        "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"
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          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
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          {
            "state": "SC",
            "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",
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            "evidence": "lender_page_text"
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          "date": "2011-02-10",
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          "state": "FL"
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          "FL",
          "AL",
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          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
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          "LA",
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          {
            "state": "CA",
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "ME",
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "MS",
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            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
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          {
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            "confidence": "lender_reported"
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          {
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          },
          {
            "state": "NM",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NY",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OK",
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
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        ],
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          {
            "slug": "investor",
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        "earliest_license_record": {
          "date": "2013-12-12",
          "state": "TX"
        },
        "licensed_since": {
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          "state": "TX"
        },
        "years_experience": 20,
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        "RI 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",
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      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
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        "eligible": true,
        "label": "RI 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/charlotte-nc-3503/adam-workman/"
      },
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      "matched_specialties": [
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      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
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        "slug": "matthew-attaya-404081",
        "full_name": "Matthew Attaya",
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        "json_url": "https://lendb.ai/lo/matthew-attaya-404081.json",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "West Roxbury",
          "state": "MA"
        },
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          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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        "earliest_license_record": {
          "date": "2022-02-15",
          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "label": "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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        "canonical_url": "https://lendb.ai/lo/robert-rankin-490282",
        "json_url": "https://lendb.ai/lo/robert-rankin-490282.json",
        "lender": {
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          "type": "imb"
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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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          {
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          "IA",
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          "MA",
          "MD",
          "NC",
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          "RI",
          "SC"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "NY",
            "confidence": "confirmed"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          "date": "2020-01-13",
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          "state": "FL"
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        "source_url": "https://www.fairway.com/lo/susan-howe-848400"
      },
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      "score": 57.8,
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        "json_url": "https://lendb.ai/lo/jason-gravelle-20342.json",
        "lender": {
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          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
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        "branch": {
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          "state": "MA"
        },
        "licensed_states": [
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          "CT",
          "MA",
          "NH",
          "RI"
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        "licenses": [
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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        "specialties": [
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        },
        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://www.cmghomeloans.com/mysite/jason-gravelle",
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      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-11)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 12, 2018 (Florida), per state regulator",
        "States 26 years of experience (lender page, 2026-10-11)"
      ],
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      "license_check": {
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        "eligible": true,
        "label": "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.cmghomeloans.com/mysite/jason-gravelle"
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      "score": 56.8,
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        "slug": "david-bottone-16414",
        "full_name": "David Bottone",
        "canonical_url": "https://lendb.ai/lo/david-bottone-16414",
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
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        "licensed_states": [
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          "CT",
          "MA",
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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        "licensed_since": {
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        "lender_profile_url": "https://branches.guildmortgage.com/ri/warwick/david-bottone-889-rgdbot.html",
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        "lender": {
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          "name": "AnnieMac Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/anniemac-home-mortgage-338923",
          "type": "imb"
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          "state": "RI"
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          "MA",
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        "licenses": [
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            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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        "full_name": "Matt Fenster",
        "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524",
        "json_url": "https://lendb.ai/lo/matthew-fenster-21524.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "NC",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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        "lender_profile_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html",
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        "Earliest state license record: April 15, 2026 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
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        "json_url": "https://lendb.ai/lo/nicholas-clarke-998103.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "CA",
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          "MA",
          "ME",
          "NH",
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "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": "lender_reported"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 10,
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        "States 10 years of experience (lender page, 2026-10-09)"
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}