{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=new-construction&state=GA",
  "filters": {
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    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 60.8,
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        "slug": "kimberly-caudell-1887966",
        "full_name": "Kim Caudell",
        "canonical_url": "https://lendb.ai/lo/kimberly-caudell-1887966",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "GA"
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        "licensed_states": [
          "FL",
          "GA",
          "TN"
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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        "earliest_license_record": {
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        "licensed_since": {
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          "state": "FL"
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        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Monroe, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 15, 2025 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-caudell-1887966",
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        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/monroe-ga-4353/kimberly-caudell/"
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        "full_name": "Todd Blake",
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          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "state": "GA"
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          "AL",
          "GA",
          "NC",
          "SC",
          "TN"
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          {
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2014-03-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ga/alpharetta/todd-blake-884-hptbla.html",
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        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 5, 2014 (Florida), per state regulator"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ga/alpharetta/todd-blake-884-hptbla.html"
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      "score": 58.5,
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        "slug": "gabriel-libutti-504917",
        "full_name": "Gabe Libutti",
        "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917",
        "json_url": "https://lendb.ai/lo/gabriel-libutti-504917.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
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        "branch": {
          "city": "Huntersville",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "SC",
          "TN",
          "VA"
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        "licenses": [
          {
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2019-05-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/gabe-libutti/",
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        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 10, 2019 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/gabe-libutti/"
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      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
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      "score": 55.8,
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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"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "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"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://www.cmghomeloans.com/mysite/chad-emerson",
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        "States 27 years of experience (lender page, 2026-10-11)"
      ],
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        "full_name": "Josh Stader",
        "canonical_url": "https://lendb.ai/lo/josh-stader-1663130",
        "json_url": "https://lendb.ai/lo/josh-stader-1663130.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": "Aiken",
          "state": "SC"
        },
        "licensed_states": [
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          "SC"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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        "specialties": [
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            "slug": "new-construction",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 6,
        "lender_profile_url": "https://fhmtg.com/officers/josh-stader/",
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          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
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          "ME",
          "MN",
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          "OR",
          "PA",
          "TN",
          "TX",
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          "VA",
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          "WY"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "CO",
            "confidence": "lender_reported"
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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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            "confidence": "lender_reported"
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            "state": "MN",
            "confidence": "lender_reported"
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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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          {
            "state": "OH",
            "confidence": "lender_reported"
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            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "specialties": [
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            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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        "licensed_since": {
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          "state": "FL"
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        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.intercaplending.com/loan-officer/erin-hendricks/"
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      "score": 51.8,
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        "slug": "brian-sewell-212085",
        "full_name": "Brian Sewell",
        "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
        "json_url": "https://lendb.ai/lo/brian-sewell-212085.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
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          "state": "IL"
        },
        "licensed_states": [
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          "GA",
          "IL",
          "IN",
          "TX",
          "WI"
        ],
        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "physician",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 6, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html"
      },
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      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
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      "score": 51.8,
      "loan_officer": {
        "nmls_id": 562713,
        "slug": "kylie-miller-562713",
        "full_name": "Kylie Miller",
        "canonical_url": "https://lendb.ai/lo/kylie-miller-562713",
        "json_url": "https://lendb.ai/lo/kylie-miller-562713.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beavercreek",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "TN",
          "WA"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2025-12-16",
          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 16, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kylie-miller-562713",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/beavercreek-oh-2119/kylie-miller/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 9,
      "score": 50.8,
      "loan_officer": {
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        "slug": "jeanne-bidwell-313615",
        "full_name": "Jeanne Bidwell",
        "canonical_url": "https://lendb.ai/lo/jeanne-bidwell-313615",
        "json_url": "https://lendb.ai/lo/jeanne-bidwell-313615.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "GA",
          "MD",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-09-30",
          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://fhmtg.com/officers/jeanne-bidwell/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 30, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeanne-bidwell-313615",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://fhmtg.com/officers/jeanne-bidwell/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 10,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 611778,
        "slug": "karen-chiu-611778",
        "full_name": "Karen Chiu",
        "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
        "json_url": "https://lendb.ai/lo/karen-chiu-611778.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Gabriel",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2020-06-01",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2020,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 1, 2020 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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"
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      "unconfirmed_specialties": []
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}