{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=new-construction&state=CA",
  "filters": {
    "specialty": [
      "new-construction"
    ],
    "state": "CA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 311018,
        "slug": "hugh-tanner-311018",
        "full_name": "Hugh Tanner",
        "canonical_url": "https://lendb.ai/lo/hugh-tanner-311018",
        "json_url": "https://lendb.ai/lo/hugh-tanner-311018.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "CA",
          "MD",
          "NC",
          "NV",
          "SC",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "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": "2021-06-23",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-8153/hugh-tanner/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in San Diego, CA",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 23, 2021 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hugh-tanner-311018",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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-diego-ca-8153/hugh-tanner/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 2,
      "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 New construction on lender page (lender page, verified 2026-10-09)",
        "CA 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": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 174999,
        "slug": "jessica-uphoff-174999",
        "full_name": "Jessica Uphoff",
        "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999",
        "json_url": "https://lendb.ai/lo/jessica-uphoff-174999.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718",
          "type": "imb"
        },
        "branch": {
          "city": "Westminster",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "IL",
          "MT",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2008-07-08",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2008,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/jessuphoff/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 8, 2008 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://homeownersfg.com/jessuphoff/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 4,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 1488388,
        "slug": "raena-pinchuk-1488388",
        "full_name": "Raena Pinchuk",
        "canonical_url": "https://lendb.ai/lo/raena-pinchuk-1488388",
        "json_url": "https://lendb.ai/lo/raena-pinchuk-1488388.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Coeur d'Alene",
          "state": "ID"
        },
        "licensed_states": [
          "CA",
          "ID",
          "NV",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "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": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 17,
        "lender_profile_url": "https://crosscountrymortgage.com/coeur-dalene-id-5060/raena-pinchuk/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/raena-pinchuk-1488388",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/coeur-dalene-id-5060/raena-pinchuk/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 57,
      "loan_officer": {
        "nmls_id": 307444,
        "slug": "dennis-wood-307444",
        "full_name": "Dennis Wood",
        "canonical_url": "https://lendb.ai/lo/dennis-wood-307444",
        "json_url": "https://lendb.ai/lo/dennis-wood-307444.json",
        "lender": {
          "nmls_id": 891464,
          "name": "Edge Home Finance",
          "canonical_url": "https://lendb.ai/lender/edge-home-finance-891464",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CA",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-01-24",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2020,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://edgehomefinance.com/team-member/dennis-wood/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-10)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 24, 2020 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/dennis-wood-307444",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/dennis-wood-307444"
      },
      "match_status": "exact",
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        "new-construction"
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      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 55.8,
      "loan_officer": {
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        "slug": "chad-emerson-232133",
        "full_name": "Chad Emerson",
        "canonical_url": "https://lendb.ai/lo/chad-emerson-232133",
        "json_url": "https://lendb.ai/lo/chad-emerson-232133.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Shavano Park",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IN",
          "KS",
          "MI",
          "MO",
          "NC",
          "OH",
          "OK",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-07-26",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2012,
          "state": "TX"
        },
        "years_experience": 27,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/chad-emerson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-11)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2012 (Texas), per state regulator",
        "States 27 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/chad-emerson-232133",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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/chad-emerson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 54.3,
      "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": "confirmed"
          },
          {
            "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": "2017-01-17",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2017,
          "state": "TX"
        },
        "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 2026-10-14)",
        "CA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 17, 2017 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-armbruster-1141561",
      "license_check": {
        "state": "CA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CA 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": []
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    {
      "rank": 8,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 611778,
        "slug": "karen-chiu-611778",
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