{
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  "filters": {
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    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 53,
      "loan_officer": {
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        "slug": "nick-carter-200547",
        "full_name": "Nick Carter",
        "licensed_names": [
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            "name": "Nicholas Carter",
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              "OR"
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            "as_of": "2026-10-22"
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          "name": "Directors Mortgage",
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          "canonical_url": "https://lendb.ai/lender/directors-mortgage-3240",
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          "state": "OR"
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        "headshot_url": "https://www.directorsmortgage.com/wp-content/uploads/2024/02/nick.png",
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          "AZ",
          "CA",
          "CO",
          "ID",
          "MT",
          "NV",
          "WA"
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "itin",
          "jumbo",
          "low-credit",
          "mixed-use",
          "non-qm",
          "renovation",
          "reverse",
          "usda",
          "va"
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            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": {
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          "state": "OR"
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          "year": 2010,
          "state": "OR"
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        "lender_profile_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/",
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        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 31, 2010 (Oregon), per state regulator"
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      "license_check": {
        "state": "MT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/"
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      "matched_specialties": [
        "refinance"
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      "score": 51.5,
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            "middle_initial": "H",
            "last_name": "Schuster",
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              "CO",
              "CT",
              "DE",
              "FL",
              "MD",
              "NY",
              "PA",
              "TX",
              "WY"
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            "first_name": "Michael",
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            "last_name": "Schuster",
            "states": [
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            "source": "state_regulator",
            "as_of": "2026-10-27"
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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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        "branch": {
          "city": "Columbia",
          "state": "MD"
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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",
          "VA",
          "WA",
          "WV",
          "WY"
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          {
            "state": "AZ",
            "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"
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          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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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"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
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            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": {
          "date": "2021-04-26",
          "state": "IL"
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        "licensed_since": {
          "year": 2021,
          "state": "IL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "MT 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": "MT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT 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/"
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      "matched_specialties": [
        "refinance"
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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    {
      "rank": 3,
      "score": 51,
      "loan_officer": {
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        "slug": "camille-olson-474281",
        "full_name": "Camille Olson",
        "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
        "json_url": "https://lendb.ai/lo/camille-olson-474281.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "slug": "barrett-financial-181106",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
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        "branch": {
          "city": "Chandler",
          "state": "AZ"
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        "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/399b5a7cc06eecffd4ee216b35d93aab857d4c12.png",
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          "TX",
          "AL",
          "AZ",
          "GA",
          "ID",
          "MT",
          "NV",
          "OH",
          "OK",
          "UT"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "slug": "refinance",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_offers": [
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          "heloc",
          "jumbo",
          "non-qm",
          "reverse",
          "usda",
          "va"
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        "earliest_license_record": {
          "date": "2014-07-10",
          "state": "TX"
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        "licensed_since": {
          "year": 2014,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/colson",
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-19)",
        "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 10, 2014 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/camille-olson-474281",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://www.barrettfinancial.com/colson"
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      "score": 48.3,
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        "slug": "denise-montgomery-57734",
        "full_name": "Denise Cuddeback Montgomery",
        "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
        "json_url": "https://lendb.ai/lo/denise-montgomery-57734.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
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          "state": "OR"
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        "licensed_states": [
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          "CO",
          "TX",
          "AZ",
          "CA",
          "ID",
          "MN",
          "MT",
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          "WA",
          "WY"
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        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CO",
            "confidence": "confirmed"
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            "state": "FL",
            "confidence": "confirmed"
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            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "confirmed"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "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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          "foreign-national",
          "heloc",
          "itin",
          "low-credit",
          "new-construction",
          "non-qm",
          "physician",
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          "vacation-home"
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        "earliest_license_record": {
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          "state": "OR"
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        "licensed_since": {
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          "state": "OR"
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        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/denise-montgomery",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 31, 2010 (Oregon), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.apmortgage.com/denise-montgomery"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": [],
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      "score": 47.3,
      "loan_officer": {
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        "slug": "lindsay-witter-700709",
        "full_name": "Lindsay Witter",
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            "middle_initial": "R",
            "last_name": "Witter",
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              "CO",
              "CT",
              "FL",
              "IA",
              "LA",
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              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
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        "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709",
        "json_url": "https://lendb.ai/lo/lindsay-witter-700709.json",
        "lender": {
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          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
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        "branch": {
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          "state": "CA"
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        "licensed_states": [
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          "TX",
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          "CA",
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          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
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          "ND",
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          "NH",
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          "PA",
          "SC",
          "SD",
          "TN",
          "UT",
          "WA",
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        "licenses": [
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            "confidence": "lender_reported"
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "confirmed"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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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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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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