{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=new-construction&state=VA",
  "filters": {
    "specialty": [
      "new-construction"
    ],
    "state": "VA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "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)",
        "Office in Midlothian, VA",
        "VA 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": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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": 2,
      "score": 60.5,
      "loan_officer": {
        "nmls_id": 182553,
        "slug": "sanj-banga-182553",
        "full_name": "Sanj Banga",
        "canonical_url": "https://lendb.ai/lo/sanj-banga-182553",
        "json_url": "https://lendb.ai/lo/sanj-banga-182553.json",
        "lender": {
          "nmls_id": 512138,
          "name": "TowneBank Mortgage",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
          "type": "bank"
        },
        "branch": {
          "city": "Glen Allen",
          "state": "VA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://townebankmortgage.com/officers/sanj-banga/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Glen Allen, VA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sanj-banga-182553",
      "license_check": {
        "state": "VA",
        "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": 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)",
        "VA 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": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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": 4,
      "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)",
        "VA 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": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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": []
    },
    {
      "rank": 5,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 182206,
        "slug": "thomas-gaffney-182206",
        "full_name": "Tom Gaffney",
        "canonical_url": "https://lendb.ai/lo/thomas-gaffney-182206",
        "json_url": "https://lendb.ai/lo/thomas-gaffney-182206.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": [
          "FL",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-04-29",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://fhmtg.com/officers/tom-gaffney/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 29, 2019 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-gaffney-182206",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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/tom-gaffney/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 58.5,
      "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)",
        "VA 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": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA 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": 7,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 186602,
        "slug": "karla-melgar-186602",
        "full_name": "Karla Melgar",
        "canonical_url": "https://lendb.ai/lo/karla-melgar-186602",
        "json_url": "https://lendb.ai/lo/karla-melgar-186602.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "La Plata",
          "state": "MD"
        },
        "licensed_states": [
          "DE",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "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": null,
        "licensed_since": null,
        "years_experience": 52,
        "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 52 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/karla-melgar-186602",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 55.8,
      "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-07-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/scott-hine-475661",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Fredericksburg, VA",
        "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 9, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-hine-475661",
      "license_check": {
        "state": "VA",
        "confidence": "lender_reported",
        "eligible": true,
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