{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=non-qm&state=IL",
  "filters": {
    "specialty": [
      "non-qm"
    ],
    "state": "IL",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 491678,
        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
        "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json",
        "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"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "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": "lender_reported"
          },
          {
            "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"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "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/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "IL 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL 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/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 175852,
        "slug": "eric-gasper-175852",
        "full_name": "Eric Gasper",
        "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
        "json_url": "https://lendb.ai/lo/eric-gasper-175852.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Mineola",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "CT",
          "DC",
          "DE",
          "IL",
          "MA",
          "ME",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-11-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 22, 2010 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL 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/mineola-ny-4750/eric-gasper/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 3,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 30883,
        "slug": "scott-hazard-30883",
        "full_name": "Scott Hazard",
        "canonical_url": "https://lendb.ai/lo/scott-hazard-30883",
        "json_url": "https://lendb.ai/lo/scott-hazard-30883.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Jamestown",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "IL",
          "MA",
          "MT",
          "NY",
          "RI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-07-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/jamestown/scott-hazard",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 20, 2011 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-hazard-30883",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL 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/rhode-island/jamestown/scott-hazard"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
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      "unconfirmed_specialties": []
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    {
      "rank": 4,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 203614,
        "slug": "archie-vetter-203614",
        "full_name": "Archie E. Vetter",
        "canonical_url": "https://lendb.ai/lo/archie-vetter-203614",
        "json_url": "https://lendb.ai/lo/archie-vetter-203614.json",
        "lender": {
          "nmls_id": 222982,
          "name": "Neighborhood Loans",
          "canonical_url": "https://lendb.ai/lender/neighborhood-loans-222982",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "MI",
          "MN",
          "MO",
          "NC",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2020-11-13",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://neighborhoodloans.com/archie-vetter/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-10)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 13, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/archie-vetter-203614",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://neighborhoodloans.com/archie-vetter/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 5,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 133724,
        "slug": "roland-gomez-133724",
        "full_name": "Roland Gomez",
        "canonical_url": "https://lendb.ai/lo/roland-gomez-133724",
        "json_url": "https://lendb.ai/lo/roland-gomez-133724.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Orland Park",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MI",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-11-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2013,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/orland-park-il-3245/roland-gomez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Office in Orland Park, IL",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 14, 2013 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/roland-gomez-133724",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL 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/orland-park-il-3245/roland-gomez/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
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    {
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      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1783114,
        "slug": "charles-toll-1783114",
        "full_name": "Charles Toll",
        "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
        "json_url": "https://lendb.ai/lo/charles-toll-1783114.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Juan Capistrano",
          "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"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "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"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-10-22",
          "state": "TX"
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        },
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      },
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 22, 2018 (Texas), per state regulator"
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}