{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=heloc&state=AZ",
  "filters": {
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      "heloc"
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    "state": "AZ",
    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62,
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        "canonical_url": "https://lendb.ai/lo/arthur-klein-1452376",
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          "nmls_id": 399798,
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          "AZ"
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          {
            "state": "AZ",
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        "specialties": [
          {
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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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        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 26 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/arthur-klein-1452376",
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        "state": "AZ",
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        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1452376"
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        "full_name": "Emmett Clark",
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        "json_url": "https://lendb.ai/lo/emmett-clark-233747.json",
        "lender": {
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          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
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          "state": null
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          "FL",
          "PA",
          "AL",
          "AZ",
          "CA",
          "HI",
          "IA",
          "ID",
          "KS",
          "KY",
          "MO",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
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        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747",
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        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 9, 2024 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/emmett-clark-233747",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ 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/emmett-clark-233747"
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      "matched_specialties": [
        "heloc"
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        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Reno",
          "state": "NV"
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          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "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": "HI",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "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": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2011-07-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/jill-denise-lyons",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-11)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 12, 2011 (Florida), per state regulator"
      ],
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      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/jill-denise-lyons"
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      "matched_specialties": [
        "heloc"
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      "unconfirmed_specialties": []
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      "score": 54.8,
      "loan_officer": {
        "nmls_id": 1037350,
        "slug": "christopher-brown-1037350",
        "full_name": "Christopher Brown",
        "canonical_url": "https://lendb.ai/lo/christopher-brown-1037350",
        "json_url": "https://lendb.ai/lo/christopher-brown-1037350.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
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        "branch": {
          "city": "Phoenix",
          "state": "AZ"
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        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
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            "slug": "co-op",
            "evidence": "lender_page_text"
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          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2018-04-23",
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        "licensed_since": {
          "year": 2018,
          "state": "FL"
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        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1037350",
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        "Earliest state license record: April 23, 2018 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
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        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
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      "unconfirmed_specialties": []
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        "slug": "erik-browning-2264602",
        "full_name": "Erik Browning",
        "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
        "json_url": "https://lendb.ai/lo/erik-browning-2264602.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "DC",
          "ID",
          "MD",
          "NC",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "TX"
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        "licensed_since": {
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          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4538/erik-browning/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Office in Scottsdale, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 15, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ 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/scottsdale-az-4538/erik-browning/"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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      "score": 54.3,
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        "full_name": "Megan Curtis",
        "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681",
        "json_url": "https://lendb.ai/lo/megan-curtis-1621681.json",
        "lender": {
          "nmls_id": 35953,
          "name": "Pennymac",
          "canonical_url": "https://lendb.ai/lender/pennymac-35953",
          "type": "imb"
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        "branch": {
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          "state": "CA"
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        "licensed_states": [
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          "CO",
          "AZ",
          "CA",
          "NJ",
          "TX"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "heloc",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-09-12",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://www.pennymac.com/find-loan-officer/megan-curtis",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 12, 2017 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.pennymac.com/find-loan-officer/megan-curtis"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1644047,
        "slug": "mason-meyer-1644047",
        "full_name": "Mason Meyer",
        "canonical_url": "https://lendb.ai/lo/mason-meyer-1644047",
        "json_url": "https://lendb.ai/lo/mason-meyer-1644047.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
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          "state": "AZ"
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        "licenses": [],
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          },
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            "evidence": "lender_page_text"
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          "year": 2018,
          "state": "FL"
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        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1644047",
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        "Earliest state license record: January 25, 2018 (Florida), per state regulator"
      ],
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        "confidence": "federal_registration",
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      "score": 52.8,
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        "slug": "andrew-zavage-1920906",
        "full_name": "Andrew Zavage",
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        "json_url": "https://lendb.ai/lo/andrew-zavage-1920906.json",
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          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
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        "licensed_states": [
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          "NV",
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
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          "year": 2022,
          "state": "TX"
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        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2022 (Texas), per state regulator"
      ],
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        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 52.8,
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        "canonical_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020",
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          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
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        "branch": {
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          "state": "PA"
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        "licensed_states": [
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          "PA",
          "AZ",
          "TX"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        "specialties": [
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            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2020-10-01",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2020,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/daniel-rosenblatt/",
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        "Earliest state license record: October 1, 2020 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-rosenblatt-1993020",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 52.8,
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        "slug": "berenice-orozco-2005188",
        "full_name": "B Orozco",
        "canonical_url": "https://lendb.ai/lo/berenice-orozco-2005188",
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        "lender": {
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
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            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
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}