{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=CO",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "CO",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 72.8,
      "loan_officer": {
        "nmls_id": 210351,
        "slug": "george-hager-210351",
        "full_name": "George Hager",
        "licensed_names": [
          {
            "name": "George Hager",
            "name_with_middle_initial": "George A. Hager",
            "first_name": "George",
            "middle_initial": "A",
            "last_name": "Hager",
            "states": [
              "CO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/george-hager-210351",
        "json_url": "https://lendb.ai/lo/george-hager-210351.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": "Greenwood Village",
          "state": "CO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/chgh-george-hager.jpg",
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "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": "2007-10-03",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 23,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/george-hager-62-chgh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Greenwood Village, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100019546), verified 2026-10-16",
        "Earliest state license record: October 3, 2007 (Colorado), per state regulator",
        "States 23 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-hager-210351",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100019546), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146437&contact=224718"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 68.8,
      "loan_officer": {
        "nmls_id": 398389,
        "slug": "heather-lantry-398389",
        "full_name": "Heather Lantry",
        "licensed_names": [
          {
            "name": "Heather Lantry",
            "name_with_middle_initial": "Heather S. Lantry",
            "first_name": "Heather",
            "middle_initial": "S",
            "last_name": "Lantry",
            "states": [
              "CA",
              "CO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/heather-lantry-398389",
        "json_url": "https://lendb.ai/lo/heather-lantry-398389.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": "Fort Collins",
          "state": "CO"
        },
        "headshot_url": null,
        "licensed_states": [
          "CO",
          "CA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-06-14",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 23,
        "lender_profile_url": "https://www.apmortgage.com/heather-lantry",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-20)",
        "Office in Fort Collins, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100044941), verified 2026-10-16",
        "Earliest state license record: June 14, 2013 (Colorado), per state regulator",
        "States 23 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/heather-lantry-398389",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100044941), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140834&contact=258236"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 63.3,
      "loan_officer": {
        "nmls_id": 172719,
        "slug": "joe-plancarte-172719",
        "full_name": "Joe Plancarte",
        "licensed_names": [
          {
            "name": "Joseph Plancarte",
            "name_with_middle_initial": "Joseph E. Plancarte",
            "first_name": "Joseph",
            "middle_initial": "E",
            "last_name": "Plancarte",
            "states": [
              "CO",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/joe-plancarte-172719",
        "json_url": "https://lendb.ai/lo/joe-plancarte-172719.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": "Greenwood Village",
          "state": "CO"
        },
        "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_13977_Joseph_Plancarte",
        "licensed_states": [
          "CO",
          "KS",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-11-01",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/joe-plancarte",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Office in Greenwood Village, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100020399), verified 2026-10-16",
        "Earliest state license record: November 1, 2007 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-plancarte-172719",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100020399), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146357&contact=180473"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 62.5,
      "loan_officer": {
        "nmls_id": 410338,
        "slug": "kimberly-shuey-410338",
        "full_name": "Kim Shuey",
        "licensed_names": [
          {
            "name": "Kimberly Shuey",
            "name_with_middle_initial": "Kimberly A. Shuey",
            "first_name": "Kimberly",
            "middle_initial": "A",
            "last_name": "Shuey",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Kimberly Shuey",
            "name_with_middle_initial": null,
            "first_name": "Kimberly",
            "middle_initial": null,
            "last_name": "Shuey",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338",
        "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "DE",
          "MO",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-07-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2011,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100512824), verified 2026-10-16",
        "Earliest state license record: July 22, 2011 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100512824), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=225962&contact=446020"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 62.5,
      "loan_officer": {
        "nmls_id": 1641628,
        "slug": "jamie-laskie-1641628",
        "full_name": "Jamie Laskie",
        "licensed_names": [
          {
            "name": "Jamie Laskie",
            "name_with_middle_initial": "Jamie N. Laskie",
            "first_name": "Jamie",
            "middle_initial": "N",
            "last_name": "Laskie",
            "states": [
              "CO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jamie-laskie-1641628",
        "json_url": "https://lendb.ai/lo/jamie-laskie-1641628.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": "Fort Collins",
          "state": "CO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/lejl-jamie-laskie.jpg",
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "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": "2017-09-28",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/fortcollins/jamie-laskie-776-lejl.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Fort Collins, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100508812), verified 2026-10-16",
        "Earliest state license record: September 28, 2017 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jamie-laskie-1641628",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100508812), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=205305&contact=423961"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 61,
      "loan_officer": {
        "nmls_id": 95809,
        "slug": "stephanie-o-farrell-95809",
        "full_name": "Stephanie O'Farrell",
        "licensed_names": [
          {
            "name": "Stephanie O'Farrell",
            "name_with_middle_initial": "Stephanie L. O'Farrell",
            "first_name": "Stephanie",
            "middle_initial": "L",
            "last_name": "O'Farrell",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809",
        "json_url": "https://lendb.ai/lo/stephanie-o-farrell-95809.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/Stephanie_OFarrell.png",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "LA",
          "DE",
          "MO",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2008-11-17",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2008,
          "state": "IL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/sofarrell/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100514851), verified 2026-10-16",
        "Earliest state license record: November 17, 2008 (Illinois), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100514851), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=237331&contact=172515"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "score": 60.3,
      "loan_officer": {
        "nmls_id": 128384,
        "slug": "evan-jansen-128384",
        "full_name": "Evan Jansen",
        "licensed_names": [
          {
            "name": "Evan Jansen",
            "name_with_middle_initial": "Evan L. Jansen",
            "first_name": "Evan",
            "middle_initial": "L",
            "last_name": "Jansen",
            "states": [
              "CA",
              "FL",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/evan-jansen-128384",
        "json_url": "https://lendb.ai/lo/evan-jansen-128384.json",
        "lender": {
          "nmls_id": 1041,
          "name": "Summit Mortgage Corporation",
          "slug": "summit-mortgage-corporation-1041",
          "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041",
          "type": "other"
        },
        "branch": {
          "city": "Lakewood",
          "state": "CO"
        },
        "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/EvanJansen.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "OR",
          "AZ",
          "CA",
          "CO",
          "MN",
          "ND",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "refinance",
            "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": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2008-07-29",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2008,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/evan-jansen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Lakewood, CO",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 29, 2008 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/evan-jansen-128384",
      "license_check": {
        "state": "CO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.summit-mortgage.com/loan-officer/evan-jansen/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 8,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 202783,
        "slug": "stephani-davis-202783",
        "full_name": "Stephani Davis",
        "licensed_names": [
          {
            "name": "Stephani Davis",
            "name_with_middle_initial": "Stephani C. Davis",
            "first_name": "Stephani",
            "middle_initial": "C",
            "last_name": "Davis",
            "states": [
              "CO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/stephani-davis-202783",
        "json_url": "https://lendb.ai/lo/stephani-davis-202783.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": "Greenwood Village",
          "state": "CO"
        },
        "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/stephani-davis.png",
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "low-credit",
          "new-construction",
          "renovation",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-09-07",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/stephani-calhoun-davis",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Office in Greenwood Village, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100018683), verified 2026-10-16",
        "Earliest state license record: September 7, 2007 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/stephani-davis-202783",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100018683), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146685&contact=173092"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 9,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 237244,
        "slug": "catherine-barnett-237244",
        "full_name": "Catherine Barnett",
        "licensed_names": [
          {
            "name": "Catherine Barnett",
            "name_with_middle_initial": "Catherine M. Barnett",
            "first_name": "Catherine",
            "middle_initial": "M",
            "last_name": "Barnett",
            "states": [
              "CO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/catherine-barnett-237244",
        "json_url": "https://lendb.ai/lo/catherine-barnett-237244.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "slug": "xpert-home-lending-2179191",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://xperthomelending.com/hs-fs/hubfs/Headshots/Processed/Catherine-Barnett.webp?width=600&name=Catherine-Barnett.webp",
        "licensed_states": [
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "asset-based",
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "mixed-use",
          "non-qm",
          "recent-credit-event",
          "renovation",
          "reverse",
          "self-employed",
          "usda"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2009-10-27",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2009,
          "state": "CO"
        },
        "years_experience": 22,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/catherine-barnett",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100029963), verified 2026-10-16",
        "Earliest state license record: October 27, 2009 (Colorado), per state regulator",
        "States 22 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/catherine-barnett-237244",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100029963), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145851&contact=272841"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 10,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 903855,
        "slug": "keith-smith-903855",
        "full_name": "Keith Smith",
        "licensed_names": [
          {
            "name": "Keith Smith",
            "name_with_middle_initial": "Keith W. Smith",
            "first_name": "Keith",
            "middle_initial": "W",
            "last_name": "Smith",
            "states": [
              "CO",
              "FL",
              "IA",
              "PA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/keith-smith-903855",
        "json_url": "https://lendb.ai/lo/keith-smith-903855.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "slug": "xpert-home-lending-2179191",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://xperthomelending.com/hs-fs/hubfs/Headshots/Processed/Keith-Smith.webp?width=600&name=Keith-Smith.webp",
        "licensed_states": [
          "CO",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "asset-based",
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "itin",
          "jumbo",
          "mixed-use",
          "non-qm",
          "recent-credit-event",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2009-02-05",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2009,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/keith-smith",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100027557), verified 2026-10-16",
        "Earliest state license record: February 5, 2009 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/keith-smith-903855",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100027557), verified 2026-10-16",
        "verified_at": "2026-10-16",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140162&contact=364328"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}