{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=OH",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "OH",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 61.5,
      "loan_officer": {
        "nmls_id": 2268018,
        "slug": "william-white-2268018",
        "full_name": "Bill White",
        "licensed_names": [
          {
            "name": "William White",
            "name_with_middle_initial": "William G. White",
            "first_name": "William",
            "middle_initial": "G",
            "last_name": "White",
            "states": [
              "FL",
              "NY",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-13"
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          {
            "name": "William White",
            "name_with_middle_initial": null,
            "first_name": "William",
            "middle_initial": null,
            "last_name": "White",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/william-white-2268018",
        "json_url": "https://lendb.ai/lo/william-white-2268018.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": "OH"
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        "headshot_url": "https://thevault.ccm.com/asset/72bea30b-7266-419d-aa15-a1865388b78a/Website/2118_White_2268018.jpg",
        "licensed_states": [
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          "TX",
          "WI",
          "AL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "NC",
          "OH",
          "OK",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "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": {
          "date": "2021-12-13",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "IL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Cincinnati, OH",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 13, 2021 (Illinois), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/william-white-2268018",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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/cincinnati-oh-2118/william-white/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 60.5,
      "loan_officer": {
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        "slug": "dj-joyce-2540027",
        "full_name": "DJ Joyce",
        "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027",
        "json_url": "https://lendb.ai/lo/dj-joyce-2540027.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": "Cleveland",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/asset/d674e21d-6de3-4207-8c40-2309a617a37f/Website/2131_Joyce_2540027.jpg",
        "licensed_states": [
          "CA",
          "OR",
          "AL",
          "AZ",
          "CO",
          "IN",
          "KY",
          "ME",
          "NH",
          "OH",
          "OK",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "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": {
          "date": "2023-12-21",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2023,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/darryn-joyce/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Cleveland, OH",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 21, 2023 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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/cleveland-oh-2131/darryn-joyce/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 58.5,
      "loan_officer": {
        "nmls_id": 2848186,
        "slug": "devin-harris-2848186",
        "full_name": "Devin Harris",
        "licensed_names": [
          {
            "name": "Devin Harris",
            "name_with_middle_initial": "Devin S. Harris",
            "first_name": "Devin",
            "middle_initial": "S",
            "last_name": "Harris",
            "states": [
              "CA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/devin-harris-2848186",
        "json_url": "https://lendb.ai/lo/devin-harris-2848186.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "slug": "lower-1124061",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "headshot_url": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-devin-harris.jpg?quality=80&format=webp&width=800&height=800&name=lo-devin-harris.jpg",
        "licensed_states": [
          "CA",
          "GA",
          "MI",
          "NC",
          "OH",
          "PA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "renovation",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-08-05",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2026,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/devin-harris",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Focus: Refinance (from their bio on their lender page, verified 2026-10-21)",
        "Office in Columbus, OH",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 5, 2026 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/devin-harris-2848186",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/devin-harris"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 55.5,
      "loan_officer": {
        "nmls_id": 1937816,
        "slug": "adam-penney-1937816",
        "full_name": "Adam Penney",
        "canonical_url": "https://lendb.ai/lo/adam-penney-1937816",
        "json_url": "https://lendb.ai/lo/adam-penney-1937816.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": "Niles",
          "state": "OH"
        },
        "headshot_url": "https://thevault.ccm.com/m/a0a348bb0855a20c/Website-2121_Penney_1937816.jpg",
        "licensed_states": [
          "FL",
          "OH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "dscr",
          "heloc",
          "investor",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-04-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-22)",
        "Office in Niles, OH",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 16, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-penney-1937816",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 55,
      "loan_officer": {
        "nmls_id": 934863,
        "slug": "jason-inglish-934863",
        "full_name": "Jason Inglish",
        "licensed_names": [
          {
            "name": "Jason Inglish",
            "name_with_middle_initial": "Jason M. Inglish",
            "first_name": "Jason",
            "middle_initial": "M",
            "last_name": "Inglish",
            "states": [
              "FL",
              "MD",
              "PA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-26"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
        "json_url": "https://lendb.ai/lo/jason-inglish-934863.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "slug": "alcova-mortgage-40508",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
        },
        "branch": {
          "city": "Cumberland",
          "state": "MD"
        },
        "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/jason-inglish.png",
        "licensed_states": [
          "FL",
          "PA",
          "MD",
          "OH",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "1099-income",
          "bank-statement",
          "dscr",
          "heloc",
          "jumbo",
          "reverse",
          "self-employed"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-07-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://alcova.com/loan-officer/jinglish/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
      "license_check": {
        "state": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://alcova.com/loan-officer/jinglish/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 3364,
        "slug": "jeremy-wetzel-3364",
        "full_name": "Jeremy Wetzel",
        "licensed_names": [
          {
            "name": "Jeremy Wetzel",
            "name_with_middle_initial": "Jeremy M. Wetzel",
            "first_name": "Jeremy",
            "middle_initial": "M",
            "last_name": "Wetzel",
            "states": [
              "CA",
              "FL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364",
        "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.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": "Louisville",
          "state": "KY"
        },
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          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "KY",
          "OH",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
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            "confidence": "confirmed"
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          {
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          {
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            "confidence": "confirmed"
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          {
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          {
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          "investor",
          "jumbo",
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          "reverse",
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        "json_url": "https://lendb.ai/lo/jay-slone-32101.json",
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            "evidence": "lender_page_text"
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          {
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          "condo-non-warrantable",
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          "dscr",
          "heloc",
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            "confidence": "confirmed"
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}