{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=non-qm&state=PA",
  "filters": {
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    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 61.3,
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        "slug": "william-lee-underwood-1423725",
        "full_name": "William Lee Underwood",
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          "DE",
          "GA",
          "NJ"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "state": "PA",
            "confidence": "confirmed"
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        "years_experience": 40,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/william-lee-underwood-1423725",
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 54351), verified 2026-10-10",
        "States 40 years of experience (lender page, 2026-10-09)"
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        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 54351), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
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        "slug": "eric-gasper-175852",
        "full_name": "Eric Gasper",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "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"
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          {
            "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": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "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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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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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"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/",
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      },
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 73741), verified 2026-10-10",
        "Earliest state license record: November 22, 2010 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 73741), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
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        "non-qm"
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      "unconfirmed_specialties": []
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    {
      "rank": 3,
      "score": 60.8,
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        "slug": "margaret-wilderotter-177439",
        "full_name": "Margie Wilderotter",
        "canonical_url": "https://lendb.ai/lo/margaret-wilderotter-177439",
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "White Plains",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-11-28",
          "state": "FL"
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
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        "years_experience": 34,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-3690/margaret-wilderotter/",
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      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 102719), verified 2026-10-10",
        "Earliest state license record: November 28, 2022 (Florida), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/margaret-wilderotter-177439",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 102719), verified 2026-10-10",
        "verified_at": "2026-10-10",
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      "score": 59.8,
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        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
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        "licenses": [
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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": "lender_reported"
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          {
            "state": "CT",
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
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          {
            "state": "MI",
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          {
            "state": "NC",
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
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          "state": "FL"
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          "NJ",
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            "state": "MD",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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            "state": "TX",
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            "state": "VA",
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "jumbo",
            "evidence": "lender_page_text"
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          "date": "2019-01-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2019,
          "state": "TX"
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        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/bobby-luu",
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      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 16, 2019 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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      "rank": 6,
      "score": 58,
      "loan_officer": {
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        "json_url": "https://lendb.ai/lo/irini-ronen-lulu-482084.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Plymouth Meeting",
          "state": "PA"
        },
        "licensed_states": [
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          "CA",
          "DE",
          "MD",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
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            "state": "CA",
            "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": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "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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        ],
        "federal_registration_likely": false,
        "languages": [
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          "sq"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          "date": "2019-01-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/plymouth-meeting-pa-5045/irini-lulu/",
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      "reasons": [
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        "Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-10",
        "Earliest state license record: January 28, 2019 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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        "state": "PA",
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        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 52318), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
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      "unconfirmed_specialties": []
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      "score": 57.8,
      "loan_officer": {
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        "slug": "adam-missry-182738",
        "full_name": "Adam Missry",
        "canonical_url": "https://lendb.ai/lo/adam-missry-182738",
        "json_url": "https://lendb.ai/lo/adam-missry-182738.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Brooklyn",
          "state": "NY"
        },
        "licensed_states": [
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          "NJ",
          "PA",
          "TX",
          "NY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2025-12-15",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/adam-missry",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-11)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 15, 2025 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-missry-182738",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/adam-missry"
      },
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      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
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    {
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      "score": 55.8,
      "loan_officer": {
        "nmls_id": 611778,
        "slug": "karen-chiu-611778",
        "full_name": "Karen Chiu",
        "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
        "json_url": "https://lendb.ai/lo/karen-chiu-611778.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Gabriel",
          "state": "CA"
        },
        "licensed_states": [
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          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "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": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "CO"
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        "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/",
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        "Earliest state license record: June 1, 2020 (Colorado), per state regulator"
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      "license_check": {
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        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 115308), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
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      "matched_specialties": [
        "non-qm"
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      "score": 55.3,
      "loan_officer": {
        "nmls_id": 7577,
        "slug": "jason-stallworth-7577",
        "full_name": "Jason Stallworth",
        "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577",
        "json_url": "https://lendb.ai/lo/jason-stallworth-7577.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Amityville",
          "state": "NY"
        },
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          "PA",
          "AL",
          "GA",
          "NY",
          "VA"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "year": 2021,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth",
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        "Licensed in PA: confirmed with the Pennsylvania regulator (license 90216), verified 2026-10-10",
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        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 90216), verified 2026-10-10",
        "verified_at": "2026-10-10",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
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      "score": 55.3,
      "loan_officer": {
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        "slug": "victoria-kammer-414039",
        "full_name": "Victoria Kammer",
        "canonical_url": "https://lendb.ai/lo/victoria-kammer-414039",
        "json_url": "https://lendb.ai/lo/victoria-kammer-414039.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "PA"
        },
        "licensed_states": [
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          "DE",
          "MD",
          "NJ",
          "PA"
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        "licenses": [
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "year": 2024,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/plymouth-meeting-pa-2513/victoria-kammer/",
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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        "Licensed in PA: confirmed with the Pennsylvania regulator (license 49222), verified 2026-10-10",
        "Earliest state license record: February 6, 2024 (Florida), per state regulator",
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      ],
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        "verified_at": "2026-10-10",
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}