{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=low-credit&state=TN",
  "filters": {
    "specialty": [
      "low-credit"
    ],
    "state": "TN",
    "limit": 10
  },
  "count": 4,
  "results": [
    {
      "rank": 1,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 143470,
        "slug": "michelle-muqtadir-143470",
        "full_name": "Michelle Muqtadir",
        "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
        "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "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": "2022-10-14",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 14, 2022 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/seattle-wa-5551/michelle-muqtadir/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1480213,
        "slug": "lance-winters-1480213",
        "full_name": "Lance Winters",
        "canonical_url": "https://lendb.ai/lo/lance-winters-1480213",
        "json_url": "https://lendb.ai/lo/lance-winters-1480213.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "GA",
          "IN",
          "KY",
          "NY",
          "OH",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-05-16",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2063/lance-winters/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 16, 2016 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lance-winters-1480213",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/columbus-oh-2063/lance-winters/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1996815,
        "slug": "christopher-caldwell-1996815",
        "full_name": "Chris Caldwell",
        "canonical_url": "https://lendb.ai/lo/christopher-caldwell-1996815",
        "json_url": "https://lendb.ai/lo/christopher-caldwell-1996815.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Greenville",
          "state": "SC"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "SC",
          "TN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "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": "2022-04-29",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/greenville-sc-4869/christopher-caldwell/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 29, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-caldwell-1996815",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/greenville-sc-4869/christopher-caldwell/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 47,
      "loan_officer": {
        "nmls_id": 880547,
        "slug": "james-hirst-880547",
        "full_name": "James Hirst",
        "canonical_url": "https://lendb.ai/lo/james-hirst-880547",
        "json_url": "https://lendb.ai/lo/james-hirst-880547.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Layton",
          "state": "UT"
        },
        "licensed_states": [
          "AL",
          "TN",
          "UT"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/james-hirst",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-hirst-880547",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/james-hirst"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    }
  ]
}