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        "earliest_license_record": {
          "date": "2017-09-12",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.pennymac.com/find-loan-officer/megan-curtis",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30",
        "Earliest state license record: September 12, 2017 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/megan-curtis-1621681",
      "license_check": {
        "state": "DE",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in DE: confirmed with the Delaware regulator, verified 2026-10-30",
        "verified_at": "2026-10-30",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}