{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=jumbo&state=MD",
  "filters": {
    "specialty": [
      "jumbo"
    ],
    "state": "MD",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 144907,
        "slug": "ron-riccitelli-jr-144907",
        "full_name": "Ron Riccitelli Jr",
        "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
        "json_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bel Air",
          "state": "MD"
        },
        "licensed_states": [
          "CO",
          "DE",
          "IN",
          "MD",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-17",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bel-air-md-2725/ronald-riccitelli-jr/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Bel Air, MD",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 17, 2021 (Colorado), per state regulator",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/bel-air-md-2725/ronald-riccitelli-jr/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 724190,
        "slug": "mark-lyman-724190",
        "full_name": "Mark Lyman",
        "canonical_url": "https://lendb.ai/lo/mark-lyman-724190",
        "json_url": "https://lendb.ai/lo/mark-lyman-724190.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Rockville",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "DC",
          "DE",
          "MD",
          "ME",
          "MI",
          "NY",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-03-09",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2026,
          "state": "CO"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/rockville/mark-lyman",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Rockville, MD",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 9, 2026 (Colorado), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-lyman-724190",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/maryland/rockville/mark-lyman"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 448416,
        "slug": "jeremiah-cox-448416",
        "full_name": "Jay Cox",
        "canonical_url": "https://lendb.ai/lo/jeremiah-cox-448416",
        "json_url": "https://lendb.ai/lo/jeremiah-cox-448416.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Pittsburgh",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "DE",
          "MA",
          "MD",
          "OH",
          "PA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": "2026-03-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/pittsburgh-pa-2578/jeremiah-cox/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 18, 2026 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeremiah-cox-448416",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/pittsburgh-pa-2578/jeremiah-cox/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 491678,
        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
        "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-09-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/newport-beach-ca-4169/jose-magallanes/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 185192,
        "slug": "hong-luu-185192",
        "full_name": "Bobby Luu",
        "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
        "json_url": "https://lendb.ai/lo/hong-luu-185192.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Reston",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NE",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-01-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2019,
          "state": "TX"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/bobby-luu",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 16, 2019 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/bobby-luu"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 201581,
        "slug": "wayne-palkovic-201581",
        "full_name": "Wayne Palkovic",
        "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581",
        "json_url": "https://lendb.ai/lo/wayne-palkovic-201581.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Martinsburg",
          "state": "WV"
        },
        "licensed_states": [
          "MD",
          "PA",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 43,
        "lender_profile_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 43 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 1025235,
        "slug": "michael-repshas-1025235",
        "full_name": "Michael Repshas",
        "canonical_url": "https://lendb.ai/lo/michael-repshas-1025235",
        "json_url": "https://lendb.ai/lo/michael-repshas-1025235.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "McLean",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "PA",
          "MD",
          "MN",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://branches.guildmortgage.com/va/mclean/michael-repshas-59-chmrep.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 9, 2019 (Florida), per state regulator",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-repshas-1025235",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/va/mclean/michael-repshas-59-chmrep.html"
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      "score": 54.8,
      "loan_officer": {
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        "slug": "william-hylind-284943",
        "full_name": "Bill Hylind",
        "canonical_url": "https://lendb.ai/lo/william-hylind-284943",
        "json_url": "https://lendb.ai/lo/william-hylind-284943.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "North Bethesda",
          "state": "MD"
        },
        "licensed_states": [
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          "DC",
          "DE",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "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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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/north-bethesda-md-2716/william-hylind/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
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        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 19, 2021 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/william-hylind-284943",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/north-bethesda-md-2716/william-hylind/"
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      "matched_specialties": [
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      "score": 54.8,
      "loan_officer": {
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        "slug": "michael-chi-ukpai-1371449",
        "full_name": "Michael Chi-Ukpai",
        "canonical_url": "https://lendb.ai/lo/michael-chi-ukpai-1371449",
        "json_url": "https://lendb.ai/lo/michael-chi-ukpai-1371449.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "AZ"
        },
        "licensed_states": [
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          "CA",
          "CO",
          "IA",
          "IN",
          "MD",
          "MI",
          "MS",
          "NC",
          "OH",
          "OK",
          "TX"
        ],
        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "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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            "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": "TX"
        },
        "licensed_since": {
          "year": 2016,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-5289/onyedikachi-chi-ukpai/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 9, 2016 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-chi-ukpai-1371449",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/scottsdale-az-5289/onyedikachi-chi-ukpai/"
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      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
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      "unconfirmed_specialties": []
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      "score": 53.3,
      "loan_officer": {
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        "full_name": "Daniel Solis",
        "canonical_url": "https://lendb.ai/lo/daniel-solis-1407785",
        "json_url": "https://lendb.ai/lo/daniel-solis-1407785.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Midlothian",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "GA",
          "MD",
          "NC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2019-05-31",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-5207/daniel-solis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: May 31, 2019 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-solis-1407785",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/midlothian-va-5207/daniel-solis/"
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      "matched_specialties": [
        "jumbo"
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}