{
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  "filters": {
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    "limit": 10
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    {
      "rank": 1,
      "score": 65.8,
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          "GA",
          "IA",
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          "MO",
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          "TN",
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            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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            "state": "TN",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "licensed_since": {
          "year": 2012,
          "state": "FL"
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        "Earliest state license record: September 21, 2012 (Florida), per state regulator",
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        "jumbo"
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          {
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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            "slug": "new-construction",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "year": 2011,
          "state": "FL"
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        "Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09",
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          "FL"
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          {
            "state": "FL",
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          "es"
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          {
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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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            "slug": "investor",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "year": 2011,
          "state": "FL"
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        "Licensed in FL: confirmed with the Florida regulator (license LO4118), verified 2026-10-09",
        "Earliest state license record: March 18, 2011 (Florida), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
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        "full_name": "Michelle Muqtadir",
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "city": "Seattle",
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          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
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            "slug": "low-credit",
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-10-14",
          "state": "TX"
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        "licensed_since": {
          "year": 2022,
          "state": "TX"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/",
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        "Licensed in FL: confirmed with the Florida regulator (license LO117004), verified 2026-10-09",
        "Earliest state license record: October 14, 2022 (Texas), per state regulator",
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        "eligible": true,
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        "full_name": "Jon Knight",
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        "json_url": "https://lendb.ai/lo/jon-knight-175955.json",
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          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
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        "branch": {
          "city": "Carmel",
          "state": "IN"
        },
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          "IN"
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        "licenses": [
          {
            "state": "FL",
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          {
            "state": "IN",
            "confidence": "lender_reported"
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        "specialties": [
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            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        "lender": {
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "FL",
          "LA",
          "TN"
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        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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            "state": "TN",
            "confidence": "lender_reported"
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        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "slug": "dscr",
            "evidence": "lender_page_text"
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
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          "state": "TX"
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        "licensed_states": [
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          "KS",
          "NC",
          "NM",
          "TN",
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            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "jumbo",
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            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "self-employed",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2010-09-22",
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        "licensed_since": {
          "year": 2010,
          "state": "TX"
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        "years_experience": 23,
        "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357",
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      "reasons": [
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "NJ"
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          "NJ",
          "NY",
          "PA"
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        "licenses": [
          {
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-11-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 36,
        "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3412/james-mckenna/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO97574), verified 2026-10-09",
        "Earliest state license record: November 16, 2021 (Florida), per state regulator",
        "States 36 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-mckenna-234353",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO97574), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 404853,
        "slug": "joanna-white-404853",
        "full_name": "Joanna White",
        "canonical_url": "https://lendb.ai/lo/joanna-white-404853",
        "json_url": "https://lendb.ai/lo/joanna-white-404853.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Arlington Heights",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MO",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-06-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.uhm.com/loan-officers/joanna-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO88677), verified 2026-10-09",
        "Earliest state license record: June 2, 2021 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joanna-white-404853",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO88677), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 436627,
        "slug": "katherine-davis-436627",
        "full_name": "Kay M. Davis",
        "canonical_url": "https://lendb.ai/lo/katherine-davis-436627",
        "json_url": "https://lendb.ai/lo/katherine-davis-436627.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Saint Clair",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "MI",
          "NE"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-22",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 35,
        "lender_profile_url": "https://www.uhm.com/loan-officers/kay-davis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO40170), verified 2026-10-09",
        "Earliest state license record: February 22, 2017 (Florida), per state regulator",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/katherine-davis-436627",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO40170), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
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  ]
}