{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=WV",
  "filters": {
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    "state": "WV",
    "limit": 10
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  "results": [
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      "score": 55,
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        "licensed_names": [
          {
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            "last_name": "Inglish",
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              "MD",
              "PA"
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            "as_of": "2026-10-26"
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        "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
        "json_url": "https://lendb.ai/lo/jason-inglish-934863.json",
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          "name": "ALCOVA Mortgage",
          "slug": "alcova-mortgage-40508",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
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          "state": "MD"
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          "SC",
          "VA",
          "WV"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        "specialties": [
          {
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          "bank-statement",
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          "heloc",
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          "state": "FL"
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        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
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        "Earliest state license record: July 26, 2022 (Florida), per state regulator",
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        "label": "WV 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/"
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              "CT",
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              "MD",
              "NY",
              "PA",
              "TX",
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            "first_name": "Michael",
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          "GA",
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          "MT",
          "NC",
          "SC",
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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            "state": "WV",
            "confidence": "lender_reported"
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          {
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            "slug": "fha",
            "evidence": "lender_page_text"
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            "slug": "refinance",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
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        "earliest_license_record": {
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          "state": "IL"
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        "licensed_since": {
          "year": 2021,
          "state": "IL"
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        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/",
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 26, 2021 (Illinois), per state regulator"
      ],
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      "license_check": {
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        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/"
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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      "score": 51,
      "loan_officer": {
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        "slug": "john-hand-2399625",
        "full_name": "Tim Hand",
        "canonical_url": "https://lendb.ai/lo/john-hand-2399625",
        "json_url": "https://lendb.ai/lo/john-hand-2399625.json",
        "lender": {
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          "name": "First Home Mortgage",
          "slug": "first-home-mortgage-71603",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
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          "state": "MD"
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        "headshot_url": "https://firsthome.com/wp-content/uploads/2024/04/Hand-Tim.jpg",
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          "NC",
          "VA",
          "WV"
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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": "MD",
            "confidence": "confirmed"
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            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "state": "WV",
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            "evidence": "lender_page_text"
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              "MD",
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        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 27, 2010 (California), per state regulator"
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        "headshot_url": "https://thevault.ccm.com/m/755e871be8448d7d/Website-3842_Hammond_453399.jpg",
        "licensed_states": [
          "TX",
          "MO",
          "CA",
          "GA",
          "NC",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "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",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-02-26",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2015,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-4357/thomas-hammond/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-22)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 26, 2015 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/tom-hammond-453399",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV 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/charlotte-nc-4357/thomas-hammond/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}