{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=first-time-buyer&state=SC",
  "filters": {
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    "state": "SC",
    "limit": 10
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    {
      "rank": 1,
      "score": 59.8,
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          "name": "Total Mortgage Services",
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        "branch": {
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          "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"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
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            "state": "MD",
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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",
            "confidence": "lender_reported"
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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": "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": "RI",
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
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          "state": "FL"
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: February 10, 2011 (Florida), per state regulator",
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      ],
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      "rank": 2,
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          "SC",
          "VA"
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          {
            "state": "SC",
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-2614/scott-dunning/",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
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        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "json_url": "https://lendb.ai/lo/adam-workman-128183.json",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "city": "Charlotte",
          "state": "NC"
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          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
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          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
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          "LA",
          "MA",
          "MD",
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          "MI",
          "MN",
          "MO",
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          "NC",
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          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
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          "OK",
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          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
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          "WI"
        ],
        "licenses": [
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          {
            "state": "AR",
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          {
            "state": "AZ",
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
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          {
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          {
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          {
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          {
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          {
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          {
            "state": "MS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "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"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "state": "TX"
        },
        "licensed_since": {
          "year": 2013,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/",
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        "SC 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)"
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        "confidence": "lender_reported",
        "eligible": true,
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        "verified_at": "2026-10-09",
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        "canonical_url": "https://lendb.ai/lo/kenneth-byrne-187129",
        "json_url": "https://lendb.ai/lo/kenneth-byrne-187129.json",
        "lender": {
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          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
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        "branch": {
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          "state": "VA"
        },
        "licensed_states": [
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          "DC",
          "MD",
          "NC",
          "SC",
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          "WV"
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        "licenses": [
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            "state": "DC",
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
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            "slug": "first-time-buyer",
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          "name": "Evergreen Home Loans",
          "canonical_url": "https://lendb.ai/lender/evergreen-home-loans-3182",
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        },
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          "CO",
          "AZ",
          "CA",
          "GA",
          "ID",
          "MT",
          "NC",
          "NV",
          "OR",
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          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
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          {
            "state": "CA",
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          {
            "state": "CO",
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          {
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          {
            "state": "ID",
            "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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            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
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        "licensed_since": {
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          "state": "TX"
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        "lender_profile_url": "https://www.evergreenhomeloans.com/loan-officers/amber-page",
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      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 13, 2022 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.evergreenhomeloans.com/loan-officers/amber-page"
      },
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    {
      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 308713,
        "slug": "kimberly-lorenzana-308713",
        "full_name": "Kim Lorenzana",
        "canonical_url": "https://lendb.ai/lo/kimberly-lorenzana-308713",
        "json_url": "https://lendb.ai/lo/kimberly-lorenzana-308713.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
        },
        "licensed_states": [
          "GA",
          "NC",
          "SC"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-08-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/nc/raleigh/kim-lorenzana-323-hpklor.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 17, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-lorenzana-308713",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/nc/raleigh/kim-lorenzana-323-hpklor.html"
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      "match_status": "exact",
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        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
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        },
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          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
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          "TX",
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            "confidence": "confirmed"
          },
          {
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            "confidence": "confirmed"
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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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        ],
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        },
        "licensed_since": {
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          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens",
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      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 25, 2007 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "CA",
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          "KS",
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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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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
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          {
            "state": "VT",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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        "States 20 years of experience (lender page, 2026-10-09)"
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        "earliest_license_record": {
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        "licensed_since": {
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        "lender_profile_url": "https://www.uhm.com/loan-officers/donna-king/",
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      "reasons": [
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        "States 28 years of experience (lender page, 2026-10-09)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/donna-king/"
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          "MD",
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          {
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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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          {
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}