{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=multi-family-2-4&state=OR",
  "filters": {
    "specialty": [
      "multi-family-2-4"
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    "limit": 10
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  "results": [
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      "rank": 1,
      "score": 61.3,
      "loan_officer": {
        "nmls_id": 250404,
        "slug": "pamela-berns-250404",
        "full_name": "Pamela Berns",
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        "json_url": "https://lendb.ai/lo/pamela-berns-250404.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041",
          "type": "other"
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          "state": "OR"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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        "languages": [
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          {
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          "fha",
          "jumbo",
          "usda",
          "va"
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        "years_experience": 22,
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        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-15)",
        "Office in Salem, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 22 years of experience (lender page, 2026-10-15)"
      ],
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        "state": "OR",
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        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "full_name": "Eric Raso",
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        "json_url": "https://lendb.ai/lo/eric-raso-457108.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
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          "state": "AZ"
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          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "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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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        ],
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          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "manufactured",
          "new-construction",
          "renovation",
          "reverse",
          "usda",
          "vacation-home"
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          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-11-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Focus: 2 to 4 unit property (from their own specialty list on their lender page, verified 2026-10-11)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 10, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/eric-raso"
      },
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      "matched_specialties": [
        "multi-family-2-4"
      ],
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      "match_level": "officer"
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      "score": 44.3,
      "loan_officer": {
        "nmls_id": 1296290,
        "slug": "shane-staples-1296290",
        "full_name": "Shane Staples",
        "canonical_url": "https://lendb.ai/lo/shane-staples-1296290",
        "json_url": "https://lendb.ai/lo/shane-staples-1296290.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
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          "FL",
          "CO",
          "AZ",
          "CA",
          "GA",
          "IA",
          "NM",
          "OR",
          "SD",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
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        "lender_offers": [
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            "source": "HUD",
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-07-31",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/shane-staples/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Focus: 2 to 4 unit property (from their bio on their lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 31, 2017 (Colorado), per state regulator"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://nfmlending.com/loanoriginator/shane-staples/"
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      "match_level": "officer"
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}