{
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          "ME",
          "NH",
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          {
            "state": "ME",
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          {
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            "evidence": "lender_page_text"
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          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
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          "MT",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
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          {
            "state": "CA",
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          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
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          {
            "state": "FL",
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            "state": "GA",
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          {
            "state": "IA",
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            "state": "IL",
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            "state": "KS",
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          {
            "state": "KY",
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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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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          {
            "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": "VT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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          "state": "FL"
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        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 9, 2017 (Florida), per state regulator",
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        "eligible": true,
        "label": "VT 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/ma/worcester/chad-rankin-765-rgrra.html"
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          "type": "imb"
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        "branch": {
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          "state": "NY"
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          "PA",
          "CA",
          "CT",
          "ME",
          "NJ",
          "NY",
          "SC",
          "VT"
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          {
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          {
            "state": "CT",
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          {
            "state": "FL",
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          {
            "state": "ME",
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
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          {
            "state": "VT",
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            "slug": "first-time-buyer",
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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          "CO",
          "AL",
          "CA",
          "DE",
          "MA",
          "MI",
          "NM",
          "PA",
          "TX",
          "VA",
          "VT",
          "WA"
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            "state": "CA",
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            "state": "CO",
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
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            "state": "MI",
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            "confidence": "lender_reported"
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          {
            "state": "VA",
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            "state": "VT",
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        "lender_profile_url": "https://branches.guildmortgage.com/vt/colchester/mike-malinowski-155-hpmma.html",
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        "lender": {
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          "CA",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "TN",
          "TX",
          "VT"
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            "confidence": "lender_reported"
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            "state": "CT",
            "confidence": "lender_reported"
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            "state": "FL",
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            "state": "MA",
            "confidence": "lender_reported"
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            "state": "ME",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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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": "VT",
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          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
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        "licensed_states": [
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "VT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
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        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/sherri-wade",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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