{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=foreign-national&state=TX",
  "filters": {
    "specialty": [
      "foreign-national"
    ],
    "state": "TX",
    "limit": 10
  },
  "count": 7,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "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)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "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": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "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"
          }
        ],
        "years_licensed": null,
        "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)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "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": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 58,
      "loan_officer": {
        "nmls_id": 722537,
        "slug": "antonio-gutierrez-722537",
        "full_name": "Antonio Gutierrez",
        "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
        "json_url": "https://lendb.ai/lo/antonio-gutierrez-722537.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-05-17",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2017,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Texas",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: May 17, 2017 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 57.8,
      "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)",
        "Office in McKinney, TX",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "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": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 48,
      "loan_officer": {
        "nmls_id": 2798052,
        "slug": "elie-smilovitz-kassin-2798052",
        "full_name": "Elie Kassin",
        "canonical_url": "https://lendb.ai/lo/elie-smilovitz-kassin-2798052",
        "json_url": "https://lendb.ai/lo/elie-smilovitz-kassin-2798052.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",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-02-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/elie-kassin-2798052",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: February 18, 2026 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/elie-smilovitz-kassin-2798052",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 47.5,
      "loan_officer": {
        "nmls_id": 2178368,
        "slug": "aristides-soto-oliveros-2178368",
        "full_name": "Aristides Soto",
        "canonical_url": "https://lendb.ai/lo/aristides-soto-oliveros-2178368",
        "json_url": "https://lendb.ai/lo/aristides-soto-oliveros-2178368.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Gilbert",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-09-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/aristides-soto",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: September 14, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/aristides-soto-oliveros-2178368",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 985351,
        "slug": "seyed-razavi-985351",
        "full_name": "Seyed Sam Razavi",
        "canonical_url": "https://lendb.ai/lo/seyed-razavi-985351",
        "json_url": "https://lendb.ai/lo/seyed-razavi-985351.json",
        "lender": {
          "nmls_id": 135622,
          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-03-31",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/srazavi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: March 31, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/seyed-razavi-985351",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    }
  ]
}