{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=physician&state=NC",
  "filters": {
    "specialty": [
      "physician"
    ],
    "state": "NC",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 51.8,
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        "nmls_id": 513224,
        "slug": "david-fay-513224",
        "full_name": "David Fay",
        "canonical_url": "https://lendb.ai/lo/david-fay-513224",
        "json_url": "https://lendb.ai/lo/david-fay-513224.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
        "licensed_states": [
          "CT",
          "MA",
          "NC",
          "NH",
          "NJ",
          "PA",
          "RI",
          "VA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/david-fay/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-fay-513224",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/lexington-ma-4841/david-fay/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 50.8,
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        "nmls_id": 334316,
        "slug": "ernest-sigala-334316",
        "full_name": "Ernest Sigala",
        "canonical_url": "https://lendb.ai/lo/ernest-sigala-334316",
        "json_url": "https://lendb.ai/lo/ernest-sigala-334316.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Chapel Hill",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "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/ernest-sigala-mortgage-loan-officer-chapel-hill-nc-27517",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Office in Chapel Hill, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/ernest-sigala-334316",
      "license_check": {
        "state": "NC",
        "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": 50.8,
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        "nmls_id": 659144,
        "slug": "dawn-gnann-659144",
        "full_name": "Dawn Gnann",
        "canonical_url": "https://lendb.ai/lo/dawn-gnann-659144",
        "json_url": "https://lendb.ai/lo/dawn-gnann-659144.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Apex",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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/dawn-weiss-gnann-retail-loan-officer-apex-nc-27502",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Office in Apex, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-gnann-659144",
      "license_check": {
        "state": "NC",
        "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": 4,
      "score": 50.5,
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        "nmls_id": 664430,
        "slug": "anne-cato-664430",
        "full_name": "Anne Cato",
        "canonical_url": "https://lendb.ai/lo/anne-cato-664430",
        "json_url": "https://lendb.ai/lo/anne-cato-664430.json",
        "lender": {
          "nmls_id": 512138,
          "name": "TowneBank Mortgage",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
          "type": "bank"
        },
        "branch": {
          "city": "Greenville",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://townebankmortgage.com/officers/anne-cato/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Office in Greenville, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/anne-cato-664430",
      "license_check": {
        "state": "NC",
        "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": 5,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 919284,
        "slug": "shellie-virginia-king-919284",
        "full_name": "Shellie Virginia King",
        "canonical_url": "https://lendb.ai/lo/shellie-virginia-king-919284",
        "json_url": "https://lendb.ai/lo/shellie-virginia-king-919284.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/shellie-virginia-king",
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        "Office in Raleigh, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/shellie-virginia-king-919284",
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      "score": 49.8,
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        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
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          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
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        "branch": {
          "city": "San Diego",
          "state": "CA"
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        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
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          "NJ",
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          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
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          "WI",
          "WV",
          "WY"
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        "licenses": [
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            "state": "AL",
            "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": "DC",
            "confidence": "lender_reported"
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            "state": "FL",
            "confidence": "lender_reported"
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            "state": "GA",
            "confidence": "lender_reported"
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            "state": "HI",
            "confidence": "lender_reported"
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            "state": "IA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "KS",
            "confidence": "lender_reported"
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            "state": "MA",
            "confidence": "lender_reported"
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            "state": "MD",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "MN",
            "confidence": "lender_reported"
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            "state": "MO",
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            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "NV",
            "confidence": "lender_reported"
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            "state": "NY",
            "confidence": "lender_reported"
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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": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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        "federal_registration_likely": true,
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        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
      },
      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 45,
      "loan_officer": {
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        "slug": "lekh-sharma-2503420",
        "full_name": "Lekh Sharma",
        "canonical_url": "https://lendb.ai/lo/lekh-sharma-2503420",
        "json_url": "https://lendb.ai/lo/lekh-sharma-2503420.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "High Point",
          "state": "NC"
        },
        "licensed_states": [
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          "NC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "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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          "hi",
          "ne",
          "ur"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "asset-based",
            "evidence": "lender_page_text"
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
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            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2026-05-27",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2026,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nc/highpoint/lekh-sharma-645-chlsha.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Physician and medical professional on lender page (lender page, verified 2026-10-09)",
        "Office in High Point, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 27, 2026 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lekh-sharma-2503420",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/nc/highpoint/lekh-sharma-645-chlsha.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "physician"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 30.8,
      "loan_officer": {
        "nmls_id": 69783,
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