{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=physician&state=FL",
  "filters": {
    "specialty": [
      "physician"
    ],
    "state": "FL",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 212085,
        "slug": "brian-sewell-212085",
        "full_name": "Brian Sewell",
        "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
        "json_url": "https://lendb.ai/lo/brian-sewell-212085.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Frankfort",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-10-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO114012), verified 2026-10-09",
        "Earliest state license record: October 6, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO114012), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 659642,
        "slug": "lynn-higley-659642",
        "full_name": "Lynn Higley",
        "canonical_url": "https://lendb.ai/lo/lynn-higley-659642",
        "json_url": "https://lendb.ai/lo/lynn-higley-659642.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Lake Mary",
          "state": "FL"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/lynn-higley-mortgage-loan-officer-lake-mary-fl-32746",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Office in Lake Mary, FL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lynn-higley-659642",
      "license_check": {
        "state": "FL",
        "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": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 2236749,
        "slug": "molly-barndt-2236749",
        "full_name": "Molly Barndt, MBA, CSCP",
        "canonical_url": "https://lendb.ai/lo/molly-barndt-2236749",
        "json_url": "https://lendb.ai/lo/molly-barndt-2236749.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DE",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "ME",
          "MI",
          "MN",
          "MT",
          "ND",
          "NH",
          "NV",
          "OR",
          "SD",
          "UT",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-09-08",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 5,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3056/molly-barndt/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO141090), verified 2026-10-09",
        "Earliest state license record: September 8, 2025 (Florida), per state regulator",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/molly-barndt-2236749",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO141090), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 7617,
        "slug": "laura-dorsey-7617",
        "full_name": "Laura Dorsey",
        "canonical_url": "https://lendb.ai/lo/laura-dorsey-7617",
        "json_url": "https://lendb.ai/lo/laura-dorsey-7617.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Cumberland",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "GA",
          "TN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-04-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 35,
        "lender_profile_url": "https://www.embracehomeloans.com/location/alabama/mobile/laura-dorsey",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO106117), verified 2026-10-09",
        "Earliest state license record: April 17, 2022 (Florida), per state regulator",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/laura-dorsey-7617",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO106117), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 562713,
        "slug": "kylie-miller-562713",
        "full_name": "Kylie Miller",
        "canonical_url": "https://lendb.ai/lo/kylie-miller-562713",
        "json_url": "https://lendb.ai/lo/kylie-miller-562713.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beavercreek",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-12-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO143520), verified 2026-10-09",
        "Earliest state license record: December 16, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kylie-miller-562713",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO143520), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 452537,
        "slug": "kristin-piatz-452537",
        "full_name": "Kristi Piatz",
        "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537",
        "json_url": "https://lendb.ai/lo/kristin-piatz-452537.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Edina",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MN",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-05-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mn/edina/kristi-piatz-686-umkp.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO87557), verified 2026-10-09",
        "Earliest state license record: May 12, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO87557), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 659548,
        "slug": "michele-barnett-659548",
        "full_name": "Michele Barnett",
        "canonical_url": "https://lendb.ai/lo/michele-barnett-659548",
        "json_url": "https://lendb.ai/lo/michele-barnett-659548.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Winter Park",
          "state": "FL"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/michele-barnett-mortgage-loan-officer-winter-park-fl-32789",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Office in Winter Park, FL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/michele-barnett-659548",
      "license_check": {
        "state": "FL",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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