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            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
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          "state": "CO"
        },
        "licensed_since": {
          "year": 2018,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/eden-ut-3606/ashlie-roe/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 7, 2018 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID 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/eden-ut-3606/ashlie-roe/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
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    {
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      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1832068,
        "slug": "tyler-rowland-1832068",
        "full_name": "Tyler Rowland",
        "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068",
        "json_url": "https://lendb.ai/lo/tyler-rowland-1832068.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
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          "state": "UT"
        },
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          "CA",
          "ID",
          "NV",
          "UT",
          "WY"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
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            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
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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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        "federal_registration_likely": false,
        "languages": [],
        "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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          "state": "CO"
        },
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          "state": "CO"
        },
        "years_experience": 6,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 17, 2022 (Colorado), per state regulator",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/"
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      "score": 52.3,
      "loan_officer": {
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        "slug": "paula-nirschl-robb-383396",
        "full_name": "Paula Nirschl",
        "canonical_url": "https://lendb.ai/lo/paula-nirschl-robb-383396",
        "json_url": "https://lendb.ai/lo/paula-nirschl-robb-383396.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
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          "state": "WA"
        },
        "licensed_states": [
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          "AZ",
          "CA",
          "ID",
          "OR",
          "WA"
        ],
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            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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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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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/vancouver/paula-nirschl-205-vrpn.html",
        "disciplinary_check": "not_checked"
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        "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 1, 2021 (Florida), per state regulator"
      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "ID 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/wa/vancouver/paula-nirschl-205-vrpn.html"
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      "matched_specialties": [
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  ]
}