{
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  "filters": {
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    "limit": 10
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  "results": [
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      "score": 56,
      "loan_officer": {
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              "MD",
              "NY"
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          "NY",
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          "MA",
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            "state": "PA",
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            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
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          "condo",
          "condo-non-warrantable",
          "dscr",
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          "investor",
          "low-credit",
          "multi-family-2-4",
          "new-construction",
          "recent-credit-event",
          "renovation",
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          "vacation-home"
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        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 9, 2026 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-21)"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://www.embracehomeloans.com/location/new-jersey/marlton/michael-colella"
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        "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": {
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          "state": "NY"
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          "CT",
          "NY",
          "PA",
          "CA",
          "NJ"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "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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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
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            "as_of": "2026-08"
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          "state": "FL"
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        "licensed_since": {
          "year": 2020,
          "state": "FL"
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        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-3690/george-tsemberlis/",
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        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 3, 2020 (Florida), per state regulator",
        "States 15 years of experience (lender page, 2026-10-26)"
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        "state": "NJ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ 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/white-plains-ny-3690/george-tsemberlis/"
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      "matched_specialties": [
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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        "full_name": "Jason Stallworth",
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            "middle_initial": "C",
            "last_name": "Stallworth",
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              "FL",
              "NY",
              "PA"
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            "source": "state_regulator",
            "as_of": "2026-10-30"
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        "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577",
        "json_url": "https://lendb.ai/lo/jason-stallworth-7577.json",
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          "name": "Embrace Home Loans",
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          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Amityville",
          "state": "NY"
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        "headshot_url": "https://www.embracehomeloans.com/media/54rhdaki/jstallworth_bio72.jpg",
        "licensed_states": [
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          "PA",
          "NY",
          "DE",
          "AL",
          "DC",
          "GA",
          "NJ",
          "SC",
          "VA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
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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"
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          "condo",
          "condo-non-warrantable",
          "dscr",
          "investor",
          "jumbo",
          "low-credit",
          "multi-family-2-4",
          "new-construction",
          "recent-credit-event",
          "renovation",
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          "vacation-home"
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              "CO",
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              "IA",
              "TX"
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          "state": "CA"
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          "AZ",
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          "IA"
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            "confidence": "lender_reported"
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          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
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        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso",
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          "CT",
          "DE",
          "LA",
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          "PA",
          "TX",
          "AL",
          "AR",
          "AZ",
          "CA",
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          "ID",
          "IL",
          "IN",
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          "ME",
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          "RI",
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          "SD",
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          {
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "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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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "new-construction",
          "renovation",
          "reverse",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        ],
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          "date": "2014-08-27",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2014,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso",
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      },
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        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 27, 2014 (Colorado), per state regulator",
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      ],
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      "score": 49.3,
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        "slug": "chelsea-masterson-1407263",
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        "licensed_names": [
          {
            "name": "Chelsea Masterson",
            "name_with_middle_initial": "Chelsea L. Masterson",
            "first_name": "Chelsea",
            "middle_initial": "L",
            "last_name": "Masterson",
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              "FL",
              "NY"
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            "source": "state_regulator",
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          "name": "CrossCountry Mortgage",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "headshot_url": null,
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          "NJ"
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          {
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          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
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          "reverse",
          "rural",
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          "va"
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      ],
      "canonical_url": "https://lendb.ai/lo/chelsea-masterson-1407263",
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        "state": "NJ",
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        "eligible": true,
        "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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              "MA",
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              "NY",
              "PA"
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        "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524",
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          "name": "Guild Mortgage",
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          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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          "state": "RI"
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        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgmfe-matt-fenster.jpg",
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          "PA",
          "AL",
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          "MA",
          "MD",
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          "NJ",
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          "VA"
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        "licenses": [
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            "confidence": "confirmed"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          "itin",
          "jumbo",
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          "physician",
          "renovation",
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          "vacation-home"
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        "earliest_license_record": {
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        "lender": {
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          "name": "United Mortgage Corp.",
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          "canonical_url": "https://lendb.ai/lender/united-mortgage-corp-1330",
          "type": "imb"
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        "headshot_url": "https://unitedmortgage.com/wp-content/uploads/2021/03/Antonio-Velardi.jpg",
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        "licenses": [
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        "languages": [],
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        "lender_profile_url": "https://unitedmortgage.com/loan-officer/antonio-velardi/",
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      "score": 44.5,
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        "licensed_names": [
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            "states": [
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              "FL",
              "IA",
              "LA",
              "OR",
              "PA",
              "TX",
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            "source": "state_regulator",
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        "canonical_url": "https://lendb.ai/lo/jennifer-buckholz-265867",
        "json_url": "https://lendb.ai/lo/jennifer-buckholz-265867.json",
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          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
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        "branch": {
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        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_452_Jennifer_Buckholz",
        "licensed_states": [
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          "CA",
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          {
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        "specialties": [
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        "lender_profile_url": "https://www.cmghomeloans.com/mysite/jennifer-a-buckholz",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2011 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-buckholz-265867",
      "license_check": {
        "state": "NJ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NJ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.cmghomeloans.com/mysite/jennifer-a-buckholz"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}