{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=TN",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "TN",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 59,
      "loan_officer": {
        "nmls_id": 865895,
        "slug": "kathleen-spicuzza-865895",
        "full_name": "Kathleen Spicuzza",
        "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895",
        "json_url": "https://lendb.ai/lo/kathleen-spicuzza-865895.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": "Las Vegas",
          "state": "NV"
        },
        "headshot_url": "https://thevault.ccm.com/m/6cb897a66295b38f/Website-3493_Spicuzza_865895.jpg",
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "NV",
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-09-18",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2019,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-22)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 18, 2019 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/las-vegas-nv-3627/kathleen-spicuzza/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 59,
      "loan_officer": {
        "nmls_id": 1736087,
        "slug": "patricia-miocic-1736087",
        "full_name": "Patricia Miocic",
        "canonical_url": "https://lendb.ai/lo/patricia-miocic-1736087",
        "json_url": "https://lendb.ai/lo/patricia-miocic-1736087.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "slug": "xpert-home-lending-2179191",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "TN"
        },
        "headshot_url": "https://xperthomelending.com/hubfs/Headshots/Processed/Patricia-Miocic.webp",
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "MD",
          "NC",
          "TN"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "asset-based",
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "foreign-national",
          "heloc",
          "itin",
          "mixed-use",
          "recent-credit-event",
          "renovation",
          "reverse",
          "self-employed",
          "usda"
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-06-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/patricia-miocic",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Office in Tennessee",
        "TN 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",
        "States 20 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/patricia-miocic-1736087",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://xperthomelending.com/loan-directory/patricia-miocic"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "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"
        },
        "headshot_url": "https://thevault.ccm.com/m/43e5be55a784fe47/Website-2905_Wetzel_3364.jpg",
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "KY",
          "OH",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "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": "2010-11-03",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2010,
          "state": "IL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 3, 2010 (Illinois), per state regulator",
        "States 23 years of experience (lender page, 2026-10-21)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-21",
        "source_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 52,
      "loan_officer": {
        "nmls_id": 2026522,
        "slug": "james-conley-2026522",
        "full_name": "James Conley",
        "licensed_names": [
          {
            "name": "James Conley",
            "name_with_middle_initial": "James F. Conley",
            "first_name": "James",
            "middle_initial": "F",
            "last_name": "Conley",
            "states": [
              "CA",
              "DE",
              "FL",
              "MD",
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/james-conley-2026522",
        "json_url": "https://lendb.ai/lo/james-conley-2026522.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": "Columbia",
          "state": "MD"
        },
        "headshot_url": "https://thevault.ccm.com/asset/e68c2163-72ff-4cf2-be0b-6257dac819af/Website/4469_Conley_2026522.jpg",
        "licensed_states": [
          "FL",
          "DE",
          "OR",
          "CA",
          "AZ",
          "DC",
          "GA",
          "MD",
          "MI",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "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"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "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": "2022-08-03",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2022,
          "state": "WI"
        },
        "years_experience": 6,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 3, 2022 (Wisconsin), per state regulator",
        "States 6 years of experience (lender page, 2026-10-26)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-conley-2026522",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/james-conley/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 2568385,
        "slug": "krystyn-smink-2568385",
        "full_name": "Krystyn Smink",
        "canonical_url": "https://lendb.ai/lo/krystyn-smink-2568385",
        "json_url": "https://lendb.ai/lo/krystyn-smink-2568385.json",
        "lender": {
          "nmls_id": 138063,
          "name": "Gershman Investment Corp.",
          "slug": "gershman-investment-corp-138063",
          "canonical_url": "https://lendb.ai/lender/gershman-investment-corp-138063",
          "type": "imb"
        },
        "branch": {
          "city": "Clarksville",
          "state": "TN"
        },
        "headshot_url": "https://www.gershman.com/wp-content/uploads/2025/02/Krystyn-Smink-500x500.jpg",
        "licensed_states": [
          "AR",
          "AL",
          "KY",
          "NC",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.gershman.com/loan-officers/krystyn-smink/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Clarksville, TN",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/krystyn-smink-2568385",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-15",
        "source_url": "https://www.gershman.com/loan-officers/krystyn-smink/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 6,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 1980879,
        "slug": "michael-schuster-1980879",
        "full_name": "Mike Schuster",
        "licensed_names": [
          {
            "name": "Michael Schuster",
            "name_with_middle_initial": "Michael H. Schuster",
            "first_name": "Michael",
            "middle_initial": "H",
            "last_name": "Schuster",
            "states": [
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "MD",
              "NY",
              "PA",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Michael Schuster",
            "name_with_middle_initial": null,
            "first_name": "Michael",
            "middle_initial": null,
            "last_name": "Schuster",
            "states": [
              "IL"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "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"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL",
          "CO",
          "PA",
          "TX",
          "CA",
          "DE",
          "AZ",
          "GA",
          "IL",
          "IN",
          "MD",
          "ME",
          "MI",
          "MT",
          "NC",
          "SC",
          "SD",
          "TN",
          "VA",
          "WA",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
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