{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=GA",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "GA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 59,
      "loan_officer": {
        "nmls_id": 144473,
        "slug": "james-sarver-144473",
        "full_name": "Jim Sarver",
        "licensed_names": [
          {
            "name": "James Sarver",
            "name_with_middle_initial": "James E. Sarver",
            "first_name": "James",
            "middle_initial": "E",
            "last_name": "Sarver",
            "states": [
              "FL",
              "PA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/james-sarver-144473",
        "json_url": "https://lendb.ai/lo/james-sarver-144473.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "slug": "newrez-3013",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Mount Pleasant",
          "state": "SC"
        },
        "headshot_url": "https://caliberamp.dmplocal.com/files/form_images/cd/8d/c1/15836/14079_1user_photoJim_Sarver.jpg",
        "licensed_states": [
          "FL",
          "PA",
          "GA",
          "SC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-01-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/jim-sarver/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 26, 2022 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-sarver-144473",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://www.newrez.com/find-loan-officer/jim-sarver/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 415261,
        "slug": "john-lee-415261",
        "full_name": "John Lee",
        "canonical_url": "https://lendb.ai/lo/john-lee-415261",
        "json_url": "https://lendb.ai/lo/john-lee-415261.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "slug": "truist-399803",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "headshot_url": "https://www.truist.com/content/dam/profiles/rep/L/Lee_John.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "heloc",
          "low-credit",
          "new-construction",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 17,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/john-e-lee-mortgage-loan-officer-alpharetta-ga-30009",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Office in Alpharetta, GA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 17 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-lee-415261",
      "license_check": {
        "state": "GA",
        "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": "2026-10-21",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 55,
      "loan_officer": {
        "nmls_id": 1533416,
        "slug": "greg-brock-1533416",
        "full_name": "Greg Brock",
        "canonical_url": "https://lendb.ai/lo/greg-brock-1533416",
        "json_url": "https://lendb.ai/lo/greg-brock-1533416.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": "Canton",
          "state": "GA"
        },
        "headshot_url": "https://thevault.ccm.com/asset/2253080f-09ef-4a2d-8cb9-8d7ba5b784b8/Website/4566_Brock_1533416.jpg",
        "licensed_states": [
          "GA",
          "TN"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/canton-ga-4566/gregory-brock/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Canton, GA",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/greg-brock-1533416",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/canton-ga-4566/gregory-brock/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 3364,
        "slug": "jeremy-wetzel-3364",
        "full_name": "Jeremy Wetzel",
        "licensed_names": [
          {
            "name": "Jeremy Wetzel",
            "name_with_middle_initial": "Jeremy M. Wetzel",
            "first_name": "Jeremy",
            "middle_initial": "M",
            "last_name": "Wetzel",
            "states": [
              "CA",
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364",
        "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.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": "Louisville",
          "state": "KY"
        },
        "headshot_url": "https://thevault.ccm.com/m/43e5be55a784fe47/Website-2905_Wetzel_3364.jpg",
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "KY",
          "OH",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "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": "2010-11-03",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2010,
          "state": "IL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 3, 2010 (Illinois), per state regulator",
        "States 23 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 54,
      "loan_officer": {
        "nmls_id": 756279,
        "slug": "brant-gilmore-756279",
        "full_name": "Brant Gilmore",
        "licensed_names": [
          {
            "name": "Brant Gilmore",
            "name_with_middle_initial": "Brant E. Gilmore",
            "first_name": "Brant",
            "middle_initial": "E",
            "last_name": "Gilmore",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/brant-gilmore-756279",
        "json_url": "https://lendb.ai/lo/brant-gilmore-756279.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "slug": "truist-399803",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "headshot_url": "https://www.truist.com/content/dam/profiles/rep/G/Gilmore.Brant.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "jumbo",
          "low-credit",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-01-14",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2014,
          "state": "WI"
        },
        "years_experience": 18,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/brant-e-gilmore-mortgage-loan-officer-alpharetta-ga-30009",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Focus: Refinance (from their bio on their lender page, verified 2026-10-21)",
        "Office in Alpharetta, GA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: January 14, 2014 (Wisconsin), per state regulator",
        "States 18 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/brant-gilmore-756279",
      "license_check": {
        "state": "GA",
        "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": "2026-10-21",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 52,
      "loan_officer": {
        "nmls_id": 2026522,
        "slug": "james-conley-2026522",
        "full_name": "James Conley",
        "licensed_names": [
          {
            "name": "James Conley",
            "name_with_middle_initial": "James F. Conley",
            "first_name": "James",
            "middle_initial": "F",
            "last_name": "Conley",
            "states": [
              "CA",
              "DE",
              "FL",
              "MD",
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/james-conley-2026522",
        "json_url": "https://lendb.ai/lo/james-conley-2026522.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": "Columbia",
          "state": "MD"
        },
        "headshot_url": "https://thevault.ccm.com/asset/e68c2163-72ff-4cf2-be0b-6257dac819af/Website/4469_Conley_2026522.jpg",
        "licensed_states": [
          "FL",
          "DE",
          "OR",
          "CA",
          "AZ",
          "DC",
          "GA",
          "MD",
          "MI",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "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"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "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": "2022-08-03",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2022,
          "state": "WI"
        },
        "years_experience": 6,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 3, 2022 (Wisconsin), per state regulator",
        "States 6 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-conley-2026522",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/columbia-md-4469/james-conley/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "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",
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