{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=low-credit&state=VA",
  "filters": {
    "specialty": [
      "low-credit"
    ],
    "state": "VA",
    "limit": 10
  },
  "count": 3,
  "results": [
    {
      "rank": 1,
      "score": 60.5,
      "loan_officer": {
        "nmls_id": 239330,
        "slug": "mary-white-239330",
        "full_name": "Mary White",
        "canonical_url": "https://lendb.ai/lo/mary-white-239330",
        "json_url": "https://lendb.ai/lo/mary-white-239330.json",
        "lender": {
          "nmls_id": 512138,
          "name": "TowneBank Mortgage",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
          "type": "bank"
        },
        "branch": {
          "city": "Glen Allen",
          "state": "VA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "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": 40,
        "lender_profile_url": "https://townebankmortgage.com/officers/mary-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "Office in Glen Allen, VA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 40 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mary-white-239330",
      "license_check": {
        "state": "VA",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 216306,
        "slug": "mark-niosi-216306",
        "full_name": "Mark Niosi",
        "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
        "json_url": "https://lendb.ai/lo/mark-niosi-216306.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dunkirk",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-12-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Low credit score on lender page (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 23, 2020 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/dunkirk-md-2723/mark-niosi/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "low-credit"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "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)",
        "VA 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": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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": []
    }
  ]
}