{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=MO",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "MO",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "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 MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "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": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 62,
      "loan_officer": {
        "nmls_id": 2849798,
        "slug": "dayna-mabie-2849798",
        "full_name": "Dayna Mabie",
        "canonical_url": "https://lendb.ai/lo/dayna-mabie-2849798",
        "json_url": "https://lendb.ai/lo/dayna-mabie-2849798.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": "Dardenne Prairie",
          "state": "MO"
        },
        "headshot_url": "https://thevault.ccm.com/asset/e491bc7f-ad52-430e-b687-eb812ca51613/Website/3107_Mabie_2849798.jpg",
        "licensed_states": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "confirmed"
          }
        ],
        "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/dardenne-prairie-mo-3107/dayna-mabie/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Dardenne Prairie, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19"
      ],
      "canonical_url": "https://lendb.ai/lo/dayna-mabie-2849798",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "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 MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "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": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 59.5,
      "loan_officer": {
        "nmls_id": 133559,
        "slug": "steven-hochrein-133559",
        "full_name": "Steve Hochrein",
        "licensed_names": [
          {
            "name": "Steven Hochrein",
            "name_with_middle_initial": "Steven F. Hochrein",
            "first_name": "Steven",
            "middle_initial": "F",
            "last_name": "Hochrein",
            "states": [
              "AR",
              "CA",
              "CT",
              "DE",
              "FL",
              "IA",
              "LA",
              "MA",
              "MD",
              "MO",
              "NY",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Steven Hochrein",
            "name_with_middle_initial": null,
            "first_name": "Steven",
            "middle_initial": null,
            "last_name": "Hochrein",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
        "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "slug": "newrez-3013",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "headshot_url": "https://www.newrez.com/media/l0dokb2s/steven-hochrein-1.jpg?width=460&height=614&rmode=crop&format=webp&quality=80",
        "licensed_states": [
          "FL",
          "TX",
          "CT",
          "LA",
          "DE",
          "MO",
          "AZ",
          "MA",
          "AR",
          "IA",
          "WI",
          "CA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "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": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "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": "2011-02-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: February 21, 2011 (Florida), per state regulator",
        "States 14 years of experience (lender page, 2026-10-14)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 1283419,
        "slug": "alexander-carriker-1283419",
        "full_name": "Alex Carriker",
        "licensed_names": [
          {
            "name": "Alexander Carriker",
            "name_with_middle_initial": "Alexander T. Carriker",
            "first_name": "Alexander",
            "middle_initial": "T",
            "last_name": "Carriker",
            "states": [
              "FL",
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419",
        "json_url": "https://lendb.ai/lo/alexander-carriker-1283419.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "slug": "highlands-residential-mortgage-134871",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
        },
        "headshot_url": "https://img.fairway.com/images/head_shot/alex-carriker-1283419.jpg?fwy_Id=2906da59-2710-4496-80a4-0234bb710048",
        "licensed_states": [
          "MO",
          "KS"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-05-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/alex-carriker/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Office in Springfield, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: May 9, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 58,
      "loan_officer": {
        "nmls_id": 2158291,
        "slug": "douglas-peters-2158291",
        "full_name": "Douglas Peters",
        "licensed_names": [
          {
            "name": "Douglas Peters",
            "name_with_middle_initial": "Douglas M. Peters",
            "first_name": "Douglas",
            "middle_initial": "M",
            "last_name": "Peters",
            "states": [
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/douglas-peters-2158291",
        "json_url": "https://lendb.ai/lo/douglas-peters-2158291.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": "Chesterfield",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cndp-douglas-peters.jpg",
        "licensed_states": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/douglas-peters-714-cndp.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Chesterfield, MO",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19"
      ],
      "canonical_url": "https://lendb.ai/lo/douglas-peters-2158291",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 243704,
        "slug": "scott-shafman-243704",
        "full_name": "Scott Shafman",
        "licensed_names": [
          {
            "name": "Scott Shafman",
            "name_with_middle_initial": "Scott I. Shafman",
            "first_name": "Scott",
            "middle_initial": "I",
            "last_name": "Shafman",
            "states": [
              "CO",
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/scott-shafman-243704",
        "json_url": "https://lendb.ai/lo/scott-shafman-243704.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": "Chesterfield",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnss-scott-shafman.jpg",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "IL",
          "MO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "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": "2016-03-25",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2016,
          "state": "IL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/scott-shafman-122-cnss.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Chesterfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 25, 2016 (Illinois), per state regulator",
        "States 20 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-shafman-243704",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://branches.guildmortgage.com/mo/chesterfield/scott-shafman-122-cnss.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 8,
      "score": 57,
      "loan_officer": {
        "nmls_id": 279880,
        "slug": "kelly-o-connell-279880",
        "full_name": "Kelly O'Connell",
        "canonical_url": "https://lendb.ai/lo/kelly-o-connell-279880",
        "json_url": "https://lendb.ai/lo/kelly-o-connell-279880.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": "Washington",
          "state": "MO"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/kelly-o-connell.jpg",
        "licensed_states": [
          "IL",
          "MO"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "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": "2011-03-04",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "IL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/washington/kelly-oconnell-604-cnko.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Washington, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 4, 2011 (Illinois), per state regulator",
        "States 22 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-o-connell-279880",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://branches.guildmortgage.com/mo/washington/kelly-oconnell-604-cnko.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 9,
      "score": 56,
      "loan_officer": {
        "nmls_id": 1702764,
        "slug": "christopher-arnold-1702764",
        "full_name": "Christopher Arnold",
        "licensed_names": [
          {
            "name": "Christopher Arnold",
            "name_with_middle_initial": "Christopher M. Arnold",
            "first_name": "Christopher",
            "middle_initial": "M",
            "last_name": "Arnold",
            "states": [
              "AR",
              "CA",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764",
        "json_url": "https://lendb.ai/lo/christopher-arnold-1702764.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "slug": "newrez-3013",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "headshot_url": "https://www.newrez.com/media/aa4llk2h/chris-arnold_web.jpg?width=460&height=614&rmode=crop&format=webp&quality=80",
        "licensed_states": [
          "FL",
          "TX",
          "CT",
          "DE",
          "MO",
          "AZ",
          "MA",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "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": "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": "2018-01-30",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2018,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/chris-arnold/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: January 30, 2018 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 10,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 1473447,
        "slug": "david-wexler-1473447",
        "full_name": "David Wexler",
        "licensed_names": [
          {
            "name": "David Wexler",
            "name_with_middle_initial": "David P. Wexler",
            "first_name": "David",
            "middle_initial": "P",
            "last_name": "Wexler",
            "states": [
              "AR",
              "FL",
              "MO",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-20"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/david-wexler-1473447",
        "json_url": "https://lendb.ai/lo/david-wexler-1473447.json",
        "lender": {
          "nmls_id": 411500,
          "name": "The Federal Savings Bank",
          "slug": "the-federal-savings-bank-411500",
          "canonical_url": "https://lendb.ai/lender/the-federal-savings-bank-411500",
          "type": "bank"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://www.thefederalsavingsbank.com/wp-content/uploads/2024/03/1473447.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "MO"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "va"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-08-22",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 8,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/david-wexler/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Focus: Refinance (from their bio on their lender page, verified 2026-10-26)",
        "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "Earliest state license record: August 22, 2025 (Florida), per state regulator",
        "States 8 years of experience (lender page, 2026-10-16)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-wexler-1473447",
      "license_check": {
        "state": "MO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19",
        "verified_at": "2026-10-19",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}