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        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 19, 2010 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-19)"
      ],
      "canonical_url": "https://lendb.ai/lo/ronald-luttrull-274181",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE 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/ca/sandiego/ron-luttrull-672-exrl.html"
      },
      "match_status": "exact",
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        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 37.5,
      "loan_officer": {
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        "slug": "kevin-kerivan-242302",
        "full_name": "Kevin Kerivan",
        "canonical_url": "https://lendb.ai/lo/kevin-kerivan-242302",
        "json_url": "https://lendb.ai/lo/kevin-kerivan-242302.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "slug": "fairway-independent-mortgage-2289",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Queen Creek",
          "state": "AZ"
        },
        "headshot_url": "https://img.fairway.com/images/head_shot/kevin-kerivan-242302.png?fwy_Id=eb4c41f8-446a-419d-8208-cf3a2b609b65",
        "licensed_states": [
          "AZ",
          "NE",
          "TN",
          "IL"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
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          },
          {
            "slug": "refinance",
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          },
          {
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            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "renovation"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
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        "earliest_license_record": {
          "date": "2025-03-12",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/kevin-kerivan-242302",
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      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 12, 2025 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-kerivan-242302",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-19",
        "source_url": "https://www.fairway.com/lo/kevin-kerivan-242302"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
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      "rank": 5,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 2249004,
        "slug": "theresa-rolen-2249004",
        "full_name": "Theresa Rolen",
        "licensed_names": [
          {
            "name": "Theresa Rolen",
            "name_with_middle_initial": "Theresa L. Rolen",
            "first_name": "Theresa",
            "middle_initial": "L",
            "last_name": "Rolen",
            "states": [
              "AR",
              "MO",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-20"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/theresa-rolen-2249004",
        "json_url": "https://lendb.ai/lo/theresa-rolen-2249004.json",
        "lender": {
          "nmls_id": 1850081,
          "name": "Copeland Mortgage Company",
          "slug": "copeland-mortgage-company-1850081",
          "canonical_url": "https://lendb.ai/lender/copeland-mortgage-company-1850081",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://summitlendingusa.com/clients/16935/uploads/2022/12/Theresaupdated.jpeg",
        "licensed_states": [
          "TX",
          "AR",
          "MO",
          "KS",
          "NE",
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
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        "earliest_license_record": {
          "date": "2025-02-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://summitlendingusa.com/team-member/theresa-rolen/",
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      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 6, 2025 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/theresa-rolen-2249004",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://summitlendingusa.com/team-member/theresa-rolen/"
      },
      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": [],
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    {
      "rank": 6,
      "score": 29,
      "loan_officer": {
        "nmls_id": 1501834,
        "slug": "leigh-anne-osten-1501834",
        "full_name": "Leigh-Anne Osten",
        "canonical_url": "https://lendb.ai/lo/leigh-anne-osten-1501834",
        "json_url": "https://lendb.ai/lo/leigh-anne-osten-1501834.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": "Omaha",
          "state": "NE"
        },
        "headshot_url": "https://thevault.ccm.com/asset/ee750a4d-fc4b-495e-a513-93c4e988a763/Website/5343_Osten_1501834.jpg",
        "licensed_states": [
          "FL",
          "TX",
          "IA",
          "NE",
          "NM"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
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        ],
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        "earliest_license_record": {
          "date": "2022-12-20",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/omaha-ne-5343/leigh-anne-osten/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Omaha, NE",
        "NE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 20, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/leigh-anne-osten-1501834",
      "license_check": {
        "state": "NE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NE 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/omaha-ne-5343/leigh-anne-osten/"
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      "match_status": "exact",
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      "unconfirmed_specialties": [],
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    {
      "rank": 7,
      "score": 27,
      "loan_officer": {
        "nmls_id": 214981,
        "slug": "donald-galvin-214981",
        "full_name": "Donald Galvin",
        "licensed_names": [
          {
            "name": "Donald Galvin",
            "name_with_middle_initial": "Donald R. Galvin",
            "first_name": "Donald",
            "middle_initial": "R",
            "last_name": "Galvin",
            "states": [
              "FL",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-12"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/donald-galvin-214981",
        "json_url": "https://lendb.ai/lo/donald-galvin-214981.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": "North Ridgeville",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/m/2ba16d302706d013/Website-2031_Galvin_214981.jpg",
        "licensed_states": [
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          "TX",
          "AZ",
          "GA",
          "IN",
          "MI",
          "NC",
          "NE",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
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          "condo-non-warrantable",
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          "down-payment-assistance",
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          "first-time-buyer",
          "heloc",
          "investor",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
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          "usda"
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        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": {
          "date": "2014-10-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/north-ridgeville-oh-2031/donald-galvin/",
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      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
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        "States 20 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-galvin-214981",
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      "rank": 8,
      "score": 26.6,
      "loan_officer": {
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        "full_name": "Chet Wisinski",
        "canonical_url": "https://lendb.ai/lo/chester-wisinski-83495",
        "json_url": "https://lendb.ai/lo/chester-wisinski-83495.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": "Charlotte",
          "state": "NC"
        },
        "headshot_url": "https://thevault.ccm.com/asset/e3accbd4-ac87-4a9b-9349-d7ad46ab7e2a/Website/4562_Wisinski_83495.jpg",
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          "AL",
          "GA",
          "HI",
          "ID",
          "KS",
          "KY",
          "LA",
          "NC",
          "NE",
          "SC",
          "TN",
          "VA",
          "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "ID",
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          {
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "confirmed"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          "down-payment-assistance",
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          "investor",
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          "non-qm",
          "physician",
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          "reverse",
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        "employer_program_approvals": [
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            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-09-17",
          "state": "WI"
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        "licensed_since": {
          "year": 2014,
          "state": "WI"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-4562/chester-wisinski/",
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      "reasons": [
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        "Earliest state license record: September 17, 2014 (Wisconsin), per state regulator",
        "States 20 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/chester-wisinski-83495",
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        "eligible": true,
        "label": "NE 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/charlotte-nc-4562/chester-wisinski/"
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      "match_status": "exact",
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      "score": 26.6,
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            "middle_initial": "R",
            "last_name": "Barnard",
            "states": [
              "CO",
              "WY"
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            "source": "state_regulator",
            "as_of": "2026-10-27"
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        ],
        "canonical_url": "https://lendb.ai/lo/kyle-barnard-177269",
        "json_url": "https://lendb.ai/lo/kyle-barnard-177269.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "CO"
        },
        "headshot_url": "https://thevault.ccm.com/m/b84b2a669d98d34c/Website-5142_Barnard_177269.jpg",
        "licensed_states": [
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          "NE",
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        "licenses": [
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            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "NE",
            "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": "first-time-buyer",
            "evidence": "lender_page_text"
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}