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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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        "Earliest state license record: April 26, 2021 (Illinois), per state regulator"
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        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "KY",
          "MI",
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          "OH",
          "OK",
          "PA",
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "physician",
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          "LA",
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          "KS",
          "KY",
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
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          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
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        "employer_program_approvals": [
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          "state": "CO"
        },
        "licensed_since": {
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          "state": "CO"
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        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso",
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      "reasons": [
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        "Earliest state license record: August 27, 2014 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
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        "source_url": "https://www.cmghomeloans.com/mysite/eric-raso"
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        "canonical_url": "https://lendb.ai/lo/john-hand-2399625",
        "json_url": "https://lendb.ai/lo/john-hand-2399625.json",
        "lender": {
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          "name": "First Home Mortgage",
          "slug": "first-home-mortgage-71603",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
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        "branch": {
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          "state": "MD"
        },
        "headshot_url": "https://firsthome.com/wp-content/uploads/2024/04/Hand-Tim.jpg",
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          "NC",
          "VA",
          "WV"
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "MD",
            "confidence": "confirmed"
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          {
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            "state": "VA",
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          {
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        ],
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        "languages": [],
        "specialties": [
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          {
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          "down-payment-assistance",
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          "jumbo",
          "renovation",
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          "va"
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          "state": "FL"
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        "lender_profile_url": "https://firsthome.com/loan-officers/tim-hand/",
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        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
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        "Earliest state license record: December 27, 2022 (Florida), per state regulator"
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              "FL",
              "MA"
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        "json_url": "https://lendb.ai/lo/roger-odoardi-12906.json",
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          "name": "Blue Water Mortgage, LLC",
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          "MA",
          "ME",
          "NC",
          "NH",
          "RI",
          "SC",
          "VT"
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        "licenses": [
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            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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            "state": "NH",
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
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            "state": "VT",
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        ],
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          {
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          },
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      ],
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        "verified_at": "2026-10-15",
        "source_url": "https://bluewatermtg.com/our-team/roger-odoardi/"
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      "rank": 7,
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          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
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          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
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          "state": "TN"
        },
        "headshot_url": "https://xperthomelending.com/hubfs/Headshots/Processed/Patricia-Miocic.webp",
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          "MD",
          "NC",
          "TN"
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            "confidence": "confirmed"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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        "languages": [],
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          {
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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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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          "down-payment-assistance",
          "dscr",
          "foreign-national",
          "heloc",
          "itin",
          "mixed-use",
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://xperthomelending.com/loan-directory/patricia-miocic",
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        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 19, 2018 (Florida), per state regulator",
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        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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            "states": [
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            "source": "state_regulator",
            "as_of": "2026-10-22"
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        "canonical_url": "https://lendb.ai/lo/devin-harris-2848186",
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          "canonical_url": "https://lendb.ai/lender/lower-1124061",
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        "licensed_states": [
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          "NC",
          "OH",
          "PA",
          "WA"
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          "investor",
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          "vacation-home"
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              "CT",
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        "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709",
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          "name": "American Pacific Mortgage",
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          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
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          "KS",
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      "reasons": [
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "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": "2026-04-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 15, 2026 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}