{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=AL",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "AL",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 250511,
        "slug": "ryan-perrenoud-250511",
        "full_name": "Ryan Perrenoud",
        "licensed_names": [
          {
            "name": "Ryan Perrenoud",
            "name_with_middle_initial": "Ryan R. Perrenoud",
            "first_name": "Ryan",
            "middle_initial": "R",
            "last_name": "Perrenoud",
            "states": [
              "AR",
              "CA",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/ryan-perrenoud-250511",
        "json_url": "https://lendb.ai/lo/ryan-perrenoud-250511.json",
        "lender": {
          "nmls_id": 196858,
          "name": "Bayshore Mortgage Funding, LLC",
          "slug": "bayshore-mortgage-funding-llc-196858",
          "canonical_url": "https://lendb.ai/lender/bayshore-mortgage-funding-llc-196858",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://bayshoremortgagefunding.com/wp-content/uploads/Ryan-Headshot-2026.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "AR",
          "AL",
          "CA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-07-26",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://bayshoremortgagefunding.com/team-directory/ryan-perrenoud/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2010 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-perrenoud-250511",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://bayshoremortgagefunding.com/team-directory/ryan-perrenoud/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 644550,
        "slug": "alan-easterwood-644550",
        "full_name": "Alan Easterwood",
        "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550",
        "json_url": "https://lendb.ai/lo/alan-easterwood-644550.json",
        "lender": {
          "nmls_id": 512138,
          "name": "TowneBank Mortgage",
          "slug": "townebank-mortgage-512138",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
          "type": "bank"
        },
        "branch": {
          "city": "Anniston",
          "state": "AL"
        },
        "headshot_url": "https://townebankmortgage.com/getattachment/40ee8ae9-c02d-4f22-a301-dd2596d109d1/Easterwood_Alan_Web-(1).jpg?lang=en-US&ext=.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "renovation",
          "usda",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://townebankmortgage.com/officers/alan-easterwood/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Office in Anniston, AL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550",
      "license_check": {
        "state": "AL",
        "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": "2026-10-20",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 7577,
        "slug": "jason-stallworth-7577",
        "full_name": "Jason Stallworth",
        "licensed_names": [
          {
            "name": "Jason Stallworth",
            "name_with_middle_initial": "Jason C. Stallworth",
            "first_name": "Jason",
            "middle_initial": "C",
            "last_name": "Stallworth",
            "states": [
              "DE",
              "FL",
              "NY",
              "PA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "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",
          "slug": "embrace-home-loans-2184",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Amityville",
          "state": "NY"
        },
        "headshot_url": "https://www.embracehomeloans.com/media/54rhdaki/jstallworth_bio72.jpg",
        "licensed_states": [
          "FL",
          "PA",
          "NY",
          "DE",
          "AL",
          "DC",
          "GA",
          "NJ",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "1099-income",
          "bank-statement",
          "co-op",
          "condo",
          "condo-non-warrantable",
          "dscr",
          "investor",
          "jumbo",
          "low-credit",
          "multi-family-2-4",
          "new-construction",
          "recent-credit-event",
          "renovation",
          "rural",
          "self-employed",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-11-24",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 24, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 2268018,
        "slug": "william-white-2268018",
        "full_name": "Bill White",
        "licensed_names": [
          {
            "name": "William White",
            "name_with_middle_initial": "William G. White",
            "first_name": "William",
            "middle_initial": "G",
            "last_name": "White",
            "states": [
              "FL",
              "NY",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
          },
          {
            "name": "William White",
            "name_with_middle_initial": null,
            "first_name": "William",
            "middle_initial": null,
            "last_name": "White",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/william-white-2268018",
        "json_url": "https://lendb.ai/lo/william-white-2268018.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cincinnati",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/asset/72bea30b-7266-419d-aa15-a1865388b78a/Website/2118_White_2268018.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "WI",
          "AL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "NC",
          "OH",
          "OK",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-12-13",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 13, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/william-white-2268018",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 51,
      "loan_officer": {
        "nmls_id": 457108,
        "slug": "eric-raso-457108",
        "full_name": "Eric Raso",
        "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
        "json_url": "https://lendb.ai/lo/eric-raso-457108.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso",
        "licensed_states": [
          "FL",
          "CO",
          "CT",
          "DE",
          "LA",
          "MO",
          "PA",
          "TX",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "RI",
          "SC",
          "SD",
          "TN",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-08-27",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2014,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 27, 2014 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.cmghomeloans.com/mysite/eric-raso"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 51,
      "loan_officer": {
        "nmls_id": 474281,
        "slug": "camille-olson-474281",
        "full_name": "Camille Olson",
        "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
        "json_url": "https://lendb.ai/lo/camille-olson-474281.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "slug": "barrett-financial-181106",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/399b5a7cc06eecffd4ee216b35d93aab857d4c12.png",
        "licensed_states": [
          "CO",
          "TX",
          "AL",
          "AZ",
          "GA",
          "ID",
          "MT",
          "NV",
          "OH",
          "OK",
          "UT"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "fha",
          "heloc",
          "jumbo",
          "non-qm",
          "reverse",
          "usda",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-07-10",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2014,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/colson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-19)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 10, 2014 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://www.barrettfinancial.com/colson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 2540027,
        "slug": "dj-joyce-2540027",
        "full_name": "DJ Joyce",
        "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027",
        "json_url": "https://lendb.ai/lo/dj-joyce-2540027.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/asset/d674e21d-6de3-4207-8c40-2309a617a37f/Website/2131_Joyce_2540027.jpg",
        "licensed_states": [
          "CA",
          "OR",
          "AL",
          "AZ",
          "CO",
          "IN",
          "KY",
          "ME",
          "NH",
          "OH",
          "OK",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-12-21",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2023,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/darryn-joyce/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 21, 2023 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/cleveland-oh-2131/darryn-joyce/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 8,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 1668981,
        "slug": "haley-barnes-1668981",
        "full_name": "Haley Barnes",
        "canonical_url": "https://lendb.ai/lo/haley-barnes-1668981",
        "json_url": "https://lendb.ai/lo/haley-barnes-1668981.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "slug": "union-home-mortgage-2229",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Mobile",
          "state": "AL"
        },
        "headshot_url": "https://www.uhm.com/media/3958/website.png",
        "licensed_states": [
          "AL",
          "GA",
          "MS"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "bank-statement",
          "construction",
          "heloc",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/haley-barnes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Mobile, AL",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/haley-barnes-1668981",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-14",
        "source_url": "https://www.uhm.com/loan-officers/haley-barnes/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 9,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 700709,
        "slug": "lindsay-witter-700709",
        "full_name": "Lindsay Witter",
        "licensed_names": [
          {
            "name": "Lindsay Witter",
            "name_with_middle_initial": "Lindsay R. Witter",
            "first_name": "Lindsay",
            "middle_initial": "R",
            "last_name": "Witter",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "FL",
              "IA",
              "LA",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709",
        "json_url": "https://lendb.ai/lo/lindsay-witter-700709.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "headshot_url": null,
        "licensed_states": [
          "CO",
          "CT",
          "TX",
          "LA",
          "AK",
          "AL",
          "AZ",
          "CA",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "ME",
          "MI",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "UT",
          "WA",
          "WI",
          "AR",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "bank-statement",
          "construction",
          "dscr",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "reverse",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-01-26",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2012,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lindsay-witter",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 26, 2012 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.apmortgage.com/lindsay-witter"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 10,
      "score": 47,
      "loan_officer": {
        "nmls_id": 21524,
        "slug": "matthew-fenster-21524",
        "full_name": "Matt Fenster",
        "licensed_names": [
          {
            "name": "Matthew Fenster",
            "name_with_middle_initial": "Matthew B. Fenster",
            "first_name": "Matthew",
            "middle_initial": "B",
            "last_name": "Fenster",
            "states": [
              "CT",
              "FL",
              "MA",
              "MD",
              "NY",
              "PA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524",
        "json_url": "https://lendb.ai/lo/matthew-fenster-21524.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Middletown",
          "state": "RI"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgmfe-matt-fenster.jpg",
        "licensed_states": [
          "FL",
          "CT",
          "PA",
          "AL",
          "IN",
          "MA",
          "MD",
          "NC",
          "NH",
          "NJ",
          "RI",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-04-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 15, 2026 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524",
      "license_check": {
        "state": "AL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}