{
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  "filters": {
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    "limit": 10
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  "results": [
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          "MS",
          "TN",
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          {
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        "Lists New construction on lender page (lender page, verified 2026-10-09)",
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          "AL",
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          "NC",
          "SC",
          "TN"
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          {
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            "state": "GA",
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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        "specialties": [
          {
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        "licensed_since": {
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          "state": "FL"
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          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
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        "branch": {
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          "state": "TX"
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          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IN",
          "KS",
          "MI",
          "MO",
          "NC",
          "OH",
          "OK",
          "TN",
          "TX",
          "WI"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
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            "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": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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            "state": "NC",
            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "licensed_since": {
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        "lender_profile_url": "https://www.cmghomeloans.com/mysite/chad-emerson",
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      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-11)",
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        "Earliest state license record: March 23, 2023 (Florida), per state regulator",
        "States 27 years of experience (lender page, 2026-10-11)"
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        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.cmghomeloans.com/mysite/chad-emerson"
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        "lender": {
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          "name": "TowneBank Mortgage",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
          "type": "bank"
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          "CO",
          "DC",
          "DE",
          "FL",
          "GA",
          "KY",
          "LA",
          "MD",
          "MS",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
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        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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            "state": "PA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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            "state": "VA",
            "confidence": "lender_reported"
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        "lender_profile_url": "https://townebankmortgage.com/officers/alan-easterwood/",
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        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Anniston, AL",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
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        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 52.3,
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        "full_name": "Kyle Strach",
        "canonical_url": "https://lendb.ai/lo/kyle-strach-1908556",
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          "name": "First Heritage Mortgage",
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        "specialties": [
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        "lender_profile_url": "https://fhmtg.com/officers/kyle-strach/",
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        "lender_profile_url": "https://branches.guildmortgage.com/mo/florissant/jessica-barber-380-cnjb.html",
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        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://branches.guildmortgage.com/mo/florissant/jessica-barber-380-cnjb.html"
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    {
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        "full_name": "Karen Chiu",
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "CA",
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          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "WA"
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          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        },
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        "years_experience": null,
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      "reasons": [
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL 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/san-gabriel-ca-3255/karen-chiu/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 1141561,
        "slug": "christopher-armbruster-1141561",
        "full_name": "Chris Armbruster",
        "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561",
        "json_url": "https://lendb.ai/lo/christopher-armbruster-1141561.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Roanoke",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "GA",
          "KS",
          "MO",
          "OK",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-04-22",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/chris-armbruster/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 22, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/chris-armbruster/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 501893,
        "slug": "mercedes-levinia-holte-501893",
        "full_name": "Mercedes Levinia Holte",
        "canonical_url": "https://lendb.ai/lo/mercedes-levinia-holte-501893",
        "json_url": "https://lendb.ai/lo/mercedes-levinia-holte-501893.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Huntsville",
          "state": "AL"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/al/huntsville/mercedes-l-holte",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Huntsville, AL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/mercedes-levinia-holte-501893",
      "license_check": {
        "state": "AL",
        "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": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 383352,
        "slug": "leslie-bergen-383352",
        "full_name": "Leslie Bergen",
        "canonical_url": "https://lendb.ai/lo/leslie-bergen-383352",
        "json_url": "https://lendb.ai/lo/leslie-bergen-383352.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "El Paso",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MO",
          "MT",
          "NC",
          "NE",
          "NM",
          "OH",
          "OK",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-04-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-10)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 10, 2023 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/leslie-bergen-383352",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    }
  ]
}