{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=MN",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "MN",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 64.5,
      "loan_officer": {
        "nmls_id": 2852313,
        "slug": "kelly-nelson-2852313",
        "full_name": "Kelly Nelson",
        "canonical_url": "https://lendb.ai/lo/kelly-nelson-2852313",
        "json_url": "https://lendb.ai/lo/kelly-nelson-2852313.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": "Eden Prairie",
          "state": "MN"
        },
        "headshot_url": "https://thevault.ccm.com/asset/62845251-f8dd-4d76-9819-3e0f984976ac/Website/7140_Nelson_2852313.jpg",
        "licensed_states": [
          "MN"
        ],
        "licenses": [
          {
            "state": "MN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "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",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/eden-prairie-mn-7140/kelly-nelson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Eden Prairie, MN",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 15 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-nelson-2852313",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/eden-prairie-mn-7140/kelly-nelson/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 351337,
        "slug": "travis-goltz-351337",
        "full_name": "Travis Goltz",
        "licensed_names": [
          {
            "name": "Travis Goltz",
            "name_with_middle_initial": "Travis J. Goltz",
            "first_name": "Travis",
            "middle_initial": "J",
            "last_name": "Goltz",
            "states": [
              "FL",
              "IA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/travis-goltz-351337",
        "json_url": "https://lendb.ai/lo/travis-goltz-351337.json",
        "lender": {
          "nmls_id": 405434,
          "name": "Granite Bank",
          "slug": "granite-bank-405434",
          "canonical_url": "https://lendb.ai/lender/granite-bank-405434",
          "type": "bank"
        },
        "branch": {
          "city": "Champlin",
          "state": "MN"
        },
        "headshot_url": "https://granitebank.com/wp-content/uploads/2024/10/Pic_Travis-Goltz-Cropped-1-330x330-1-300x300.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-01-02",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2014,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/travisgoltz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Champlin, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: January 2, 2014 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/travis-goltz-351337",
      "license_check": {
        "state": "MN",
        "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": "2026-10-26",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 769561,
        "slug": "allison-burmeister-769561",
        "full_name": "Allison Burmeister",
        "canonical_url": "https://lendb.ai/lo/allison-burmeister-769561",
        "json_url": "https://lendb.ai/lo/allison-burmeister-769561.json",
        "lender": {
          "nmls_id": 718070,
          "name": "Frandsen Bank & Trust",
          "slug": "frandsen-bank-trust-718070",
          "canonical_url": "https://lendb.ai/lender/frandsen-bank-trust-718070",
          "type": "bank"
        },
        "branch": {
          "city": "New Ulm",
          "state": "MN"
        },
        "headshot_url": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/1Cb7AEkPWrz2lydfhp0Va2/0cd38eaf39afad05b658e9073e176a2c/Allison-Burmeister.jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "new-construction",
          "vacation-home"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.frandsenbank.com/professionals/allison-burmeister",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in New Ulm, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 25 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/allison-burmeister-769561",
      "license_check": {
        "state": "MN",
        "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": "2026-10-16",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 58,
      "loan_officer": {
        "nmls_id": 769600,
        "slug": "brandon-reinarts-769600",
        "full_name": "Brandon Reinarts",
        "canonical_url": "https://lendb.ai/lo/brandon-reinarts-769600",
        "json_url": "https://lendb.ai/lo/brandon-reinarts-769600.json",
        "lender": {
          "nmls_id": 718070,
          "name": "Frandsen Bank & Trust",
          "slug": "frandsen-bank-trust-718070",
          "canonical_url": "https://lendb.ai/lender/frandsen-bank-trust-718070",
          "type": "bank"
        },
        "branch": {
          "city": "New Ulm",
          "state": "MN"
        },
        "headshot_url": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/5dGZjLzVD8g0mWxQBvltEp/62a820ed24f9d11d6f1c628d6e230488/Brandon_Reinarts..jpg",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "vacation-home"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 18,
        "lender_profile_url": "https://www.frandsenbank.com/professionals/brandon-reinarts",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in New Ulm, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 18 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-reinarts-769600",
      "license_check": {
        "state": "MN",
        "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": "2026-10-16",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 769550,
        "slug": "jackie-aker-769550",
        "full_name": "Jackie Aker",
        "canonical_url": "https://lendb.ai/lo/jackie-aker-769550",
        "json_url": "https://lendb.ai/lo/jackie-aker-769550.json",
        "lender": {
          "nmls_id": 718070,
          "name": "Frandsen Bank & Trust",
          "slug": "frandsen-bank-trust-718070",
          "canonical_url": "https://lendb.ai/lender/frandsen-bank-trust-718070",
          "type": "bank"
        },
        "branch": {
          "city": "East Grand Forks",
          "state": "MN"
        },
        "headshot_url": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/jaclyn-aker-1/cd4d1ab7bc45f407461a6bbd8497f43c/jaclyn-aker-1.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "new-construction",
          "vacation-home"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.frandsenbank.com/professionals/jackie-aker",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in East Grand Forks, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 22 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/jackie-aker-769550",
      "license_check": {
        "state": "MN",
        "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": "2026-10-16",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 1991339,
        "slug": "lance-elliott-1991339",
        "full_name": "Lance Elliott",
        "canonical_url": "https://lendb.ai/lo/lance-elliott-1991339",
        "json_url": "https://lendb.ai/lo/lance-elliott-1991339.json",
        "lender": {
          "nmls_id": 718070,
          "name": "Frandsen Bank & Trust",
          "slug": "frandsen-bank-trust-718070",
          "canonical_url": "https://lendb.ai/lender/frandsen-bank-trust-718070",
          "type": "bank"
        },
        "branch": {
          "city": "Vadnais Heights",
          "state": "MN"
        },
        "headshot_url": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/lance-elliott-1/493889a173cf60ed6e5d3bc4bd3f07f3/lance-elliott-1.png",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "vacation-home"
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 14,
        "lender_profile_url": "https://www.frandsenbank.com/professionals/lance-elliott",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Vadnais Heights, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 14 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/lance-elliott-1991339",
      "license_check": {
        "state": "MN",
        "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": "2026-10-16",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "score": 51,
      "loan_officer": {
        "nmls_id": 457108,
        "slug": "eric-raso-457108",
        "full_name": "Eric Raso",
        "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
        "json_url": "https://lendb.ai/lo/eric-raso-457108.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso",
        "licensed_states": [
          "FL",
          "CO",
          "CT",
          "DE",
          "LA",
          "MO",
          "PA",
          "TX",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "RI",
          "SC",
          "SD",
          "TN",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-08-27",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2014,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 27, 2014 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.cmghomeloans.com/mysite/eric-raso"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 8,
      "score": 50.3,
      "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"
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        "lender_offers": [
          "usda"
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        "employer_program_approvals": [
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            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
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        "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"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "MN 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": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/"
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      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 9,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 212019,
        "slug": "kevin-lee-212019",
        "full_name": "Kevin Lee",
        "licensed_names": [
          {
            "name": "Kevin Lee",
            "name_with_middle_initial": "Kevin W. Lee",
            "first_name": "Kevin",
            "middle_initial": "W",
            "last_name": "Lee",
            "states": [
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-09"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kevin-lee-212019",
        "json_url": "https://lendb.ai/lo/kevin-lee-212019.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": "Plymouth",
          "state": "MN"
        },
        "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/K_LeeC-400x396.png",
        "licensed_states": [
          "FL",
          "WI",
          "MN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "jumbo"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-07-18",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2023,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/kevin-lee/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Plymouth, MN",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 18, 2023 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-lee-212019",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/kevin-lee/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 10,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 537110,
        "slug": "nick-erickson-537110",
        "full_name": "Nick Erickson",
        "canonical_url": "https://lendb.ai/lo/nick-erickson-537110",
        "json_url": "https://lendb.ai/lo/nick-erickson-537110.json",
        "lender": {
          "nmls_id": 419538,
          "name": "Bell Bank",
          "slug": "bell-bank-419538",
          "canonical_url": "https://lendb.ai/lender/bell-bank-419538",
          "type": "bank"
        },
        "branch": {
          "city": "Detroit Lakes",
          "state": "MN"
        },
        "headshot_url": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/nick-erickson/nick-erickson.png?h=108&iar=0&w=108",
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/nickericksonmortgage",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Detroit Lakes, MN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/nick-erickson-537110",
      "license_check": {
        "state": "MN",
        "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": "2026-10-26",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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  ]
}