{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=non-qm&state=CO",
  "filters": {
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    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 175852,
        "slug": "eric-gasper-175852",
        "full_name": "Eric Gasper",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "NY"
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          "FL",
          "CO",
          "CA",
          "CT",
          "DC",
          "DE",
          "IL",
          "MA",
          "ME",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "TX",
          "VA"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "specialties": [
          {
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            "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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        "earliest_license_record": {
          "date": "2010-11-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/",
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100033589), verified 2026-10-10",
        "Earliest state license record: November 22, 2010 (Colorado), per state regulator"
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        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100033589), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=139895&contact=86459"
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        "non-qm"
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      "unconfirmed_specialties": []
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    {
      "rank": 2,
      "score": 60.3,
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        "full_name": "Nichole Crisanti",
        "canonical_url": "https://lendb.ai/lo/nichole-crisanti-1503218",
        "json_url": "https://lendb.ai/lo/nichole-crisanti-1503218.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Loveland",
          "state": "CO"
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        "licensed_states": [
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          "KS",
          "MO",
          "WY"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "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": "first-time-buyer",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-04-25",
          "state": "CO"
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        "licensed_since": {
          "year": 2017,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/loveland-co-5120/nichole-crisanti/",
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Office in Loveland, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100507210), verified 2026-10-10",
        "Earliest state license record: April 25, 2017 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/nichole-crisanti-1503218",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100507210), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=197565&contact=395642"
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        "non-qm"
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        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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            "slug": "non-qm",
            "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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        "earliest_license_record": {
          "date": "2023-09-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 5, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "CO 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/newport-beach-ca-4169/jose-magallanes/"
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        "full_name": "Jeffrey Aronheim",
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          "name": "CrossCountry Mortgage",
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          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "ME",
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          "MN",
          "MO",
          "NC",
          "ND",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
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        "licenses": [
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            "state": "AK",
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            "confidence": "lender_reported"
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            "state": "AR",
            "confidence": "lender_reported"
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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            "state": "IL",
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            "confidence": "lender_reported"
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            "state": "KY",
            "confidence": "lender_reported"
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            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "slug": "investor",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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        "licensed_since": {
          "year": 2007,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-3957/jeffrey-aronheim/",
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        "Licensed in CO: confirmed with the Colorado regulator (license 100014336), verified 2026-10-10",
        "Earliest state license record: March 9, 2007 (Colorado), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/jeffrey-aronheim-235233",
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        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100014336), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=147259&contact=37114"
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      "score": 56.8,
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "CA",
          "GA",
          "HI",
          "IL",
          "IN",
          "MT",
          "NM",
          "NV",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "TX"
        },
        "licensed_since": {
          "year": 2018,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: October 22, 2018 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100513012), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=225460&contact=445127"
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      "matched_specialties": [
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    {
      "rank": 6,
      "score": 55.8,
      "loan_officer": {
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        "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": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "CA"
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        "licensed_states": [
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          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
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