{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=IN",
  "filters": {
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      "refinance"
    ],
    "state": "IN",
    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "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",
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          "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"
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        "federal_registration_likely": false,
        "languages": [],
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
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          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
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            "source": "HUD",
            "as_of": "2026-08"
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        },
        "licensed_since": {
          "year": 2010,
          "state": "IL"
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        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "IN 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": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/"
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      "match_status": "exact",
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    {
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        "nmls_id": 1980879,
        "slug": "michael-schuster-1980879",
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          {
            "name": "Michael Schuster",
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            "last_name": "Schuster",
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              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "MD",
              "NY",
              "PA",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
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          {
            "name": "Michael Schuster",
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            "first_name": "Michael",
            "middle_initial": null,
            "last_name": "Schuster",
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            "source": "state_regulator",
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        ],
        "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879",
        "json_url": "https://lendb.ai/lo/michael-schuster-1980879.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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        },
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        "licensed_states": [
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          "CO",
          "PA",
          "TX",
          "CA",
          "DE",
          "AZ",
          "GA",
          "IL",
          "IN",
          "MD",
          "ME",
          "MI",
          "MT",
          "NC",
          "SC",
          "SD",
          "TN",
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          "WA",
          "WV",
          "WY"
        ],
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "DE",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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"
        ],
        "employer_program_approvals": [
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            "as_of": "2026-08"
          }
        ],
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        "earliest_license_record": {
          "date": "2021-04-26",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 26, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/michael-schuster/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 51.5,
      "loan_officer": {
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        "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"
          },
          {
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            "name_with_middle_initial": null,
            "first_name": "William",
            "middle_initial": null,
            "last_name": "White",
            "states": [
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              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
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        ],
        "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": [
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          "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"
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          {
            "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": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
        ],
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          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/",
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      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
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      "match_status": "exact",
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    {
      "rank": 4,
      "score": 51,
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        "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
        "json_url": "https://lendb.ai/lo/eric-raso-457108.json",
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          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
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        },
        "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",
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          "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": [
          {
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            "confidence": "lender_reported"
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            "state": "AR",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "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"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
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          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
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          {
            "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"
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        ],
        "lender_offers": [
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          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
        ],
        "employer_program_approvals": [
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            "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)",
        "IN 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": {
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          {
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        "headshot_url": "https://www.uhm.com/media/5201/ron-haddad-headshot.jpg",
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          "AZ",
          "IL",
          "IN",
          "MI",
          "NC",
          "VA",
          "WI"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
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          {
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          {
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            "confidence": "lender_reported"
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          {
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        "federal_registration_likely": false,
        "languages": [],
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          "construction",
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          "va"
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          "state": "IL"
        },
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        "lender_profile_url": "https://www.uhm.com/loan-officers/ron-haddad/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 23, 2005 (Illinois), per state regulator",
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      ],
      "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/ron-haddad/"
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      "matched_specialties": [
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      "match_level": "officer"
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      "score": 46,
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            "middle_initial": "A",
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              "DE",
              "FL",
              "IA",
              "MD",
              "TX"
            ],
            "source": "state_regulator",
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        ],
        "canonical_url": "https://lendb.ai/lo/jason-fox-179208",
        "json_url": "https://lendb.ai/lo/jason-fox-179208.json",
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          "name": "NFM Lending",
          "slug": "nfm-lending-2893",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
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          "state": "MD"
        },
        "headshot_url": "https://nfmlending.com/wp-content/uploads/Jason-Fox-1x1-1.png",
        "licensed_states": [
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          "DE",
          "TX",
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          "CO",
          "DC",
          "IA",
          "IL",
          "IN",
          "MD",
          "MI",
          "MN",
          "NC",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          "state": "CA"
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}