{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=new-construction&state=NC",
  "filters": {
    "specialty": [
      "new-construction"
    ],
    "state": "NC",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 61.5,
      "loan_officer": {
        "nmls_id": 504917,
        "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"
        },
        "branch": {
          "city": "Huntersville",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "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"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "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/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Huntersville, NC",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 414480,
        "slug": "kerri-doyle-414480",
        "full_name": "Kerri Doyle",
        "canonical_url": "https://lendb.ai/lo/kerri-doyle-414480",
        "json_url": "https://lendb.ai/lo/kerri-doyle-414480.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 32,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/kerri-doyle-mortgage-loan-officer-raleigh-nc-27609",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Raleigh, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 32 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kerri-doyle-414480",
      "license_check": {
        "state": "NC",
        "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": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 101361,
        "slug": "scott-dunning-101361",
        "full_name": "Scott Dunning",
        "canonical_url": "https://lendb.ai/lo/scott-dunning-101361",
        "json_url": "https://lendb.ai/lo/scott-dunning-101361.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Midlothian",
          "state": "VA"
        },
        "licensed_states": [
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "NC",
            "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": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-2614/scott-dunning/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-dunning-101361",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/midlothian-va-2614/scott-dunning/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "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)",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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": []
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 196726,
        "slug": "allan-blake-196726",
        "full_name": "Todd Blake",
        "canonical_url": "https://lendb.ai/lo/allan-blake-196726",
        "json_url": "https://lendb.ai/lo/allan-blake-196726.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-03-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ga/alpharetta/todd-blake-884-hptbla.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "NC 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"
      ],
      "canonical_url": "https://lendb.ai/lo/allan-blake-196726",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 232133,
        "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)",
        "NC 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": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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": []
    },
    {
      "rank": 7,
      "score": 54,
      "loan_officer": {
        "nmls_id": 1374686,
        "slug": "maria-abad-1374686",
        "full_name": "Gabriela Abad",
        "canonical_url": "https://lendb.ai/lo/maria-abad-1374686",
        "json_url": "https://lendb.ai/lo/maria-abad-1374686.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "NC",
          "SC",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-03-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/gabad/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Charlotte, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 11, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/maria-abad-1374686",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.mutualmortgage.com/loan-officer/gabad/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 475661,
        "slug": "scott-hine-475661",
        "full_name": "Scott Hine",
        "canonical_url": "https://lendb.ai/lo/scott-hine-475661",
        "json_url": "https://lendb.ai/lo/scott-hine-475661.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Fredericksburg",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "IN",
          "KY",
          "MD",
          "MI",
          "MO",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV",
          "TX"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "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": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
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        },
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          "state": "FL"
        },
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      },
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        "Earliest state license record: July 9, 2020 (Florida), per state regulator"
      ],
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        "source_url": "https://www.fairway.com/lo/scott-hine-475661"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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}