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      ],
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          "NC",
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          "OK",
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            "state": "GA",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 9, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/william-white-2268018",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/cincinnati-oh-2118/william-white/"
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        "branch": {
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        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "slug": "jumbo",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "years_experience": 18,
        "lender_profile_url": "https://homelendingadvisor.chase.com/ga/atlanta/9-georgia-ave-se-hla-599305",
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 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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        "heloc"
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      "rank": 7,
      "score": 51.3,
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        "nmls_id": 2121317,
        "slug": "james-burton-2121317",
        "full_name": "James Burton",
        "canonical_url": "https://lendb.ai/lo/james-burton-2121317",
        "json_url": "https://lendb.ai/lo/james-burton-2121317.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Mt Pleasant",
          "state": "SC"
        },
        "licensed_states": [
          "FL",
          "GA",
          "SC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.southerntrust.com/james-burton/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 5, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/james-burton-2121317",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.southerntrust.com/james-burton/"
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    {
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      "score": 50.8,
      "loan_officer": {
        "nmls_id": 255833,
        "slug": "james-abdallah-255833",
        "full_name": "James Abdallah",
        "canonical_url": "https://lendb.ai/lo/james-abdallah-255833",
        "json_url": "https://lendb.ai/lo/james-abdallah-255833.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
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          "state": null
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          "AL",
          "CO",
          "GA",
          "IA",
          "IL",
          "KS",
          "ME",
          "MI",
          "MN",
          "ND",
          "OH",
          "OK",
          "PA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
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            "state": "PA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
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          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://litfinancial.com/loan-experts/james-abdallah",
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      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 30, 2015 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-abdallah-255833",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://litfinancial.com/loan-experts/james-abdallah"
      },
      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
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      "rank": 9,
      "score": 50.3,
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        "slug": "jeffrey-zachow-450729",
        "full_name": "Jeffrey \"Zack\" Zachow",
        "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729",
        "json_url": "https://lendb.ai/lo/jeffrey-zachow-450729.json",
        "lender": {
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          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
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          "state": null
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "PA",
          "VA"
        ],
        "licenses": [
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            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "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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            "slug": "va",
            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: July 21, 2021 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/jeffrey-zack-zachow-450729"
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      "rank": 10,
      "score": 49.8,
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        "slug": "jose-duarte-2809712",
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        "canonical_url": "https://lendb.ai/lo/jose-duarte-2809712",
        "json_url": "https://lendb.ai/lo/jose-duarte-2809712.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
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          "AL",
          "AZ",
          "GA",
          "KS",
          "MO",
          "MS",
          "NC",
          "NJ",
          "OH",
          "SC",
          "TX"
        ],
        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/jose-duarte",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-10)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 2, 2026 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-duarte-2809712",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/jose-duarte"
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}