{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=foreign-national&state=CA",
  "filters": {
    "specialty": [
      "foreign-national"
    ],
    "state": "CA",
    "limit": 10
  },
  "count": 7,
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-01-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 6, 2012 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/boca-raton-fl-3701/eric-rosemary/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59,
      "loan_officer": {
        "nmls_id": 2012258,
        "slug": "vivian-pang-2012258",
        "full_name": "Vivian Pang",
        "canonical_url": "https://lendb.ai/lo/vivian-pang-2012258",
        "json_url": "https://lendb.ai/lo/vivian-pang-2012258.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "id",
          "zh"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-03-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 12, 2024 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/vivian-pang-2012258",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/vivian-pang-2012258"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
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      "rank": 3,
      "score": 52,
      "loan_officer": {
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        "slug": "nicole-kwan-477256",
        "full_name": "Nicole Kwan",
        "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256",
        "json_url": "https://lendb.ai/lo/nicole-kwan-477256.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
        "licensed_states": [
          "CA",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "zh"
        ],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/nicole-kwan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicole-kwan-477256",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/lexington-ma-4841/nicole-kwan/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
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      "rank": 4,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 995551,
        "slug": "steven-crossman-995551",
        "full_name": "Steve Crossman",
        "canonical_url": "https://lendb.ai/lo/steven-crossman-995551",
        "json_url": "https://lendb.ai/lo/steven-crossman-995551.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "McKinney",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-11-05",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2018,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 5, 2018 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-crossman-995551",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/mckinney-tx-5254/steven-crossman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 43.3,
      "loan_officer": {
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        "slug": "philip-doos-2379827",
        "full_name": "Philip Doos",
        "canonical_url": "https://lendb.ai/lo/philip-doos-2379827",
        "json_url": "https://lendb.ai/lo/philip-doos-2379827.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CA"
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "ar",
          "en"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/philip-doos-2379827",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in California",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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      },
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      ],
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      "score": 41.3,
      "loan_officer": {
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        "slug": "mark-skolnick-348746",
        "full_name": "Mark Skolnick",
        "canonical_url": "https://lendb.ai/lo/mark-skolnick-348746",
        "json_url": "https://lendb.ai/lo/mark-skolnick-348746.json",
        "lender": {
          "nmls_id": 135622,
          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622",
          "type": "broker"
        },
        "branch": {
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          "state": null
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/mskolnick/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-skolnick-348746",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://c2financial.com/find-a-loan-officer/mskolnick/"
      },
      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 41.3,
      "loan_officer": {
        "nmls_id": 1284056,
        "slug": "scott-daniel-storrs-1284056",
        "full_name": "Scott Daniel Storrs",
        "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056",
        "json_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056.json",
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          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622",
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        "branch": {
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          "state": null
        },
        "licensed_states": [
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/sstorrs/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-daniel-storrs-1284056",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://c2financial.com/find-a-loan-officer/sstorrs/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    }
  ]
}