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      "license_check": {
        "state": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE 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/dunkirk-md-2723/mark-niosi/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 55.8,
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        "slug": "sean-pierpont-141727",
        "full_name": "Sean Pierpont",
        "canonical_url": "https://lendb.ai/lo/sean-pierpont-141727",
        "json_url": "https://lendb.ai/lo/sean-pierpont-141727.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
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          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
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        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 26,
        "lender_profile_url": "https://firsthome.com/loan-officers/sean-pierpont/",
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        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 9, 2019 (Florida), per state regulator",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sean-pierpont-141727",
      "license_check": {
        "state": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/sean-pierpont/"
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    {
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      "score": 54.8,
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        "full_name": "Amanda Broomall",
        "canonical_url": "https://lendb.ai/lo/amanda-broomall-900029",
        "json_url": "https://lendb.ai/lo/amanda-broomall-900029.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        },
        "licensed_states": [
          "PA",
          "DE",
          "MD"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "year": 2022,
          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/de/middletown/amanda-broomall-560-rgabro.html",
        "disciplinary_check": "not_checked"
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        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
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        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 8, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/amanda-broomall-900029",
      "license_check": {
        "state": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/de/middletown/amanda-broomall-560-rgabro.html"
      },
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      "rank": 9,
      "score": 53.5,
      "loan_officer": {
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        "full_name": "Vince Gutierrez",
        "canonical_url": "https://lendb.ai/lo/vicente-gutierrez-2088096",
        "json_url": "https://lendb.ai/lo/vicente-gutierrez-2088096.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
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        "branch": {
          "city": "Medford Lakes",
          "state": "NJ"
        },
        "licensed_states": [
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          "DE",
          "NJ",
          "PA"
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        "licenses": [
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
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        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "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": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 7,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/vince-gutierrez/",
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        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 13, 2021 (Florida), per state regulator",
        "States 7 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/vicente-gutierrez-2088096",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://nfmlending.com/loanoriginator/vince-gutierrez/"
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      "score": 52.8,
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        "canonical_url": "https://lendb.ai/lo/caylab-herrera-2035377",
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        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
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          "state": "TX"
        },
        "licensed_states": [
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          "DE",
          "LA",
          "NC",
          "NM",
          "OK",
          "SC",
          "TX"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "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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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2020-12-14",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2020,
          "state": "TX"
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        "years_experience": 6,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/caylab-herrera",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 14, 2020 (Texas), per state regulator",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/caylab-herrera-2035377",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.churchillmortgage.com/loan-officers/caylab-herrera"
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}