{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=renovation&state=MA",
  "filters": {
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    ],
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    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 62.8,
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        "slug": "trevor-mcfarland-38803",
        "full_name": "Trevor McFarland",
        "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
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            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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        "languages": [],
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          {
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          "date": "2020-02-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
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        "Office in Worcester, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 17, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ma/worcester/trevor-mcfarland-765-rgtmcf.html"
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      "rank": 2,
      "score": 60.8,
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        "slug": "david-samara-29773",
        "full_name": "David Samara",
        "canonical_url": "https://lendb.ai/lo/david-samara-29773",
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        "lender": {
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          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
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          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-11-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/david-samara",
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        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11)",
        "Office in Worcester, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 17, 2022 (Florida), per state regulator",
        "States 23 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-samara-29773",
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        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.cmghomeloans.com/mysite/david-samara"
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        "slug": "scott-lacey-8154",
        "full_name": "Scott Lacey",
        "canonical_url": "https://lendb.ai/lo/scott-lacey-8154",
        "json_url": "https://lendb.ai/lo/scott-lacey-8154.json",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Lincoln",
          "state": "RI"
        },
        "licensed_states": [
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          "PA",
          "AL",
          "CT",
          "DC",
          "DE",
          "GA",
          "IN",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MS",
          "NC",
          "NH",
          "NJ",
          "RI",
          "SC",
          "TN",
          "VA",
          "VT"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2020-08-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 5, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-lacey-8154",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html"
      },
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      "rank": 4,
      "score": 57,
      "loan_officer": {
        "nmls_id": 2051827,
        "slug": "derick-andrade-2051827",
        "full_name": "Derick Andrade",
        "canonical_url": "https://lendb.ai/lo/derick-andrade-2051827",
        "json_url": "https://lendb.ai/lo/derick-andrade-2051827.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Seekonk",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
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        "languages": [
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          "pt"
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        "specialties": [
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            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-08-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
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        "lender_profile_url": "https://firsthome.com/loan-officers/derick-andrade/",
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      "reasons": [
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        "States 12 years of experience (lender page, 2026-10-09)"
      ],
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        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/derick-andrade/"
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      "score": 54.8,
      "loan_officer": {
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        "slug": "nick-zannelli-35693",
        "full_name": "Nick Zannelli",
        "canonical_url": "https://lendb.ai/lo/nick-zannelli-35693",
        "json_url": "https://lendb.ai/lo/nick-zannelli-35693.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
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        "licenses": [
          {
            "state": "MA",
            "confidence": "lender_reported"
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        ],
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            "evidence": "lender_page_text"
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            "slug": "renovation",
            "evidence": "lender_page_text"
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4804/nicolo-zannelli/",
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        "canonical_url": "https://lendb.ai/lo/leo-turco-706769",
        "json_url": "https://lendb.ai/lo/leo-turco-706769.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Topsfield",
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        },
        "licensed_states": [
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          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
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        "earliest_license_record": {
          "date": "2025-02-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/topsfield-ma-4754/leo-turco/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Earliest state license record: February 3, 2025 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/topsfield-ma-4754/leo-turco/"
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      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 52.8,
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        "slug": "kathy-vasel-50076",
        "full_name": "Kathy Vasel",
        "canonical_url": "https://lendb.ai/lo/kathy-vasel-50076",
        "json_url": "https://lendb.ai/lo/kathy-vasel-50076.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Andover",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "NH"
        ],
        "licenses": [
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            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/andover-ma-4827/katherine-vasel/",
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      },
      "reasons": [
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        "Office in Andover, MA",
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      ],
      "canonical_url": "https://lendb.ai/lo/kathy-vasel-50076",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/andover-ma-4827/katherine-vasel/"
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      "unconfirmed_specialties": []
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      "score": 52.3,
      "loan_officer": {
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        "slug": "christopher-loughlin-1537524",
        "full_name": "Chris Loughlin",
        "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524",
        "json_url": "https://lendb.ai/lo/christopher-loughlin-1537524.json",
        "lender": {
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          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Baltimore",
          "state": "MD"
        },
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          "CT",
          "DC",
          "DE",
          "GA",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "licenses": [
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            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "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": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-08-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/chris-loughlin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 14, 2017 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/chris-loughlin/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
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    {
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      "score": 51.8,
      "loan_officer": {
        "nmls_id": 404383,
        "slug": "lisa-umbehauer-404383",
        "full_name": "Lisa Umbehauer",
        "canonical_url": "https://lendb.ai/lo/lisa-umbehauer-404383",
        "json_url": "https://lendb.ai/lo/lisa-umbehauer-404383.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Union",
          "state": "NJ"
        },
        "licensed_states": [
          "MA",
          "NJ",
          "PA",
          "TX"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-06-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2026,
          "state": "TX"
        },
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3447/lisa-umbehauer/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 16, 2026 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-umbehauer-404383",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/union-nj-3447/lisa-umbehauer/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
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    {
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      "score": 51.8,
      "loan_officer": {
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        "slug": "sara-wescott-1181982",
        "full_name": "Sara Wescott",
        "canonical_url": "https://lendb.ai/lo/sara-wescott-1181982",
        "json_url": "https://lendb.ai/lo/sara-wescott-1181982.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "South Portland",
          "state": "ME"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/south-portland-me-3182/sara-wescott/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 25, 2021 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sara-wescott-1181982",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/south-portland-me-3182/sara-wescott/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
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      "unconfirmed_specialties": []
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  ]
}