{
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  "filters": {
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          "KS",
          "KY",
          "MO",
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          "TN",
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          {
            "state": "CA",
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            "state": "PA",
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            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        ],
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          "date": "2017-05-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin",
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      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: May 11, 2017 (Florida), per state regulator",
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      ],
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        "state": "MO",
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        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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      },
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        },
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          "KS",
          "MO"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
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            "slug": "first-time-buyer",
            "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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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
            "slug": "itin",
            "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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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "licensed_since": null,
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      },
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      ],
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      "score": 49.8,
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        "canonical_url": "https://lendb.ai/lo/jose-duarte-2809712",
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        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "GA",
          "KS",
          "MO",
          "MS",
          "NC",
          "NJ",
          "OH",
          "SC",
          "TX"
        ],
        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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            "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"
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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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          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
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        "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/jose-duarte",
        "disciplinary_check": "not_checked"
      },
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      ],
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      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
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      "matched_specialties": [
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        "slug": "lynn-muller-448356",
        "full_name": "Lynn Muller",
        "canonical_url": "https://lendb.ai/lo/lynn-muller-448356",
        "json_url": "https://lendb.ai/lo/lynn-muller-448356.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Earth City",
          "state": "MO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
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            "slug": "heloc",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/mo/earth-city/lynn-muller-448356",
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/lynn-muller-448356",
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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",
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        "licenses": [],
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        "languages": [],
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}