{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=foreign-national&state=FL",
  "filters": {
    "specialty": [
      "foreign-national"
    ],
    "state": "FL",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 65.8,
      "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"
          }
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        "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"
      },
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        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Boca Raton, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO12982), verified 2026-10-09",
        "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": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO12982), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 65.8,
      "loan_officer": {
        "nmls_id": 306250,
        "slug": "kim-ullrich-306250",
        "full_name": "Kim Ullrich",
        "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250",
        "json_url": "https://lendb.ai/lo/kim-ullrich-306250.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Vero Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-08-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/verobeach/kim-ullrich-299-hpku.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Vero Beach, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09",
        "Earliest state license record: August 5, 2011 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 3,
      "score": 65.8,
      "loan_officer": {
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        "slug": "jeffrey-brown-317188",
        "full_name": "Jeffrey M Brown",
        "canonical_url": "https://lendb.ai/lo/jeffrey-brown-317188",
        "json_url": "https://lendb.ai/lo/jeffrey-brown-317188.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "IL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-01-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/jeffrey-m-brown-777-hpjeb.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Boca Raton, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO1840), verified 2026-10-09",
        "Earliest state license record: January 26, 2011 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-brown-317188",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO1840), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 4,
      "score": 63.8,
      "loan_officer": {
        "nmls_id": 330121,
        "slug": "mark-minadeo-330121",
        "full_name": "Mark Minadeo",
        "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121",
        "json_url": "https://lendb.ai/lo/mark-minadeo-330121.json",
        "lender": {
          "nmls_id": 152859,
          "name": "Acrisure Mortgage (formerly FBC Mortgage)",
          "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859",
          "type": "imb"
        },
        "branch": {
          "city": "Coconut Creek",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "PA",
          "DE",
          "TX"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2010-12-13",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2010,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://acrisuremortgage.com/mminadeo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Coconut Creek, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09",
        "Earliest state license record: December 13, 2010 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
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      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
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      "score": 62,
      "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": {
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          "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"
          }
        ],
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        "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)",
        "Licensed in FL: confirmed with the Florida regulator (license LO126814), verified 2026-10-09",
        "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": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO126814), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 58,
      "loan_officer": {
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        "slug": "johanna-arias-908021",
        "full_name": "Johanna Arias",
        "canonical_url": "https://lendb.ai/lo/johanna-arias-908021",
        "json_url": "https://lendb.ai/lo/johanna-arias-908021.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Allentown",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "PA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [
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          "es"
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        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-01-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2587/johanna-arias/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO116501), verified 2026-10-09",
        "Earliest state license record: January 11, 2023 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/johanna-arias-908021",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO116501), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 57.5,
      "loan_officer": {
        "nmls_id": 1952196,
        "slug": "javier-giarelli-1952196",
        "full_name": "Javier Giarelli",
        "canonical_url": "https://lendb.ai/lo/javier-giarelli-1952196",
        "json_url": "https://lendb.ai/lo/javier-giarelli-1952196.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Miami",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-04-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/javier-giarelli-1952196",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Miami, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO85985), verified 2026-10-09",
        "Earliest state license record: April 20, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/javier-giarelli-1952196",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO85985), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 56.5,
      "loan_officer": {
        "nmls_id": 2722248,
        "slug": "sandro-cazella-dos-santos-2722248",
        "full_name": "Sandro Cazella",
        "canonical_url": "https://lendb.ai/lo/sandro-cazella-dos-santos-2722248",
        "json_url": "https://lendb.ai/lo/sandro-cazella-dos-santos-2722248.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Deerfield Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "pt"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/deerfield-beach-fl-3738/sandro-cazella-dos-santos/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Deerfield Beach, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO143394), verified 2026-10-09",
        "Earliest state license record: December 10, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/sandro-cazella-dos-santos-2722248",
      "license_check": {
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        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO143394), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
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      "matched_specialties": [
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      ],
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      "score": 54.8,
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        "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": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "TX"
        },
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          "AZ",
          "CA",
          "CO",
          "TN",
          "TX"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "TX"
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        "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/",
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        "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": {
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        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO72170), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
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        "foreign-national"
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      "score": 54.8,
      "loan_officer": {
        "nmls_id": 2774438,
        "slug": "andrew-durden-2774438",
        "full_name": "Andrew Durden",
        "canonical_url": "https://lendb.ai/lo/andrew-durden-2774438",
        "json_url": "https://lendb.ai/lo/andrew-durden-2774438.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
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          "state": "FL"
        },
        "licensed_states": [
          "FL"
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        "licenses": [
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            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438",
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      "reasons": [
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        "Licensed in FL: confirmed with the Florida regulator (license LO149802), verified 2026-10-09",
        "Earliest state license record: July 24, 2026 (Florida), per state regulator"
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}