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        ],
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        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        ],
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          "date": "2023-09-05",
          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: September 5, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
      "license_check": {
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        "confidence": "confirmed",
        "eligible": true,
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        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
      },
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      "score": 62.5,
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        "slug": "jeremy-graham-8851",
        "full_name": "Jeremy Graham",
        "canonical_url": "https://lendb.ai/lo/jeremy-graham-8851",
        "json_url": "https://lendb.ai/lo/jeremy-graham-8851.json",
        "lender": {
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          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Braintree",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "NY"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
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        "lender_profile_url": "https://www.totalmortgage.com/bankers/jeremy-graham",
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      },
      "reasons": [
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        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: September 24, 2026 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeremy-graham-8851",
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        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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      "score": 62.5,
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        "slug": "anita-aguilar-498749",
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        "canonical_url": "https://lendb.ai/lo/anita-aguilar-498749",
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          "name": "Cardinal Financial Company",
          "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247",
          "type": "imb"
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        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
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          "NY"
        ],
        "licenses": [
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            "state": "FL",
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          {
            "state": "NY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          "date": "2025-03-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/anita-aguilar/",
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      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: March 5, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/anita-aguilar-498749",
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        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
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        "source_url": "https://www.dfs.ny.gov/"
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        "slug": "jacqueline-koven-252596",
        "full_name": "Jacqueline Koven",
        "canonical_url": "https://lendb.ai/lo/jacqueline-koven-252596",
        "json_url": "https://lendb.ai/lo/jacqueline-koven-252596.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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        ],
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          "date": "2023-03-07",
          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/summit-nj-3974/jacqueline-koven/",
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      },
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        "Earliest state license record: March 7, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
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        "source_url": "https://www.dfs.ny.gov/"
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      "score": 60.3,
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        "slug": "david-l-kurtz-67250",
        "full_name": "David L Kurtz",
        "canonical_url": "https://lendb.ai/lo/david-l-kurtz-67250",
        "json_url": "https://lendb.ai/lo/david-l-kurtz-67250.json",
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          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
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          "state": "NY"
        },
        "licensed_states": [
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          "NY"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
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            "confidence": "confirmed"
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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": null,
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        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
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      ],
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        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
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}