{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=renovation&state=PA",
  "filters": {
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    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 61.8,
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        "nmls_id": 133361,
        "slug": "joan-zeruld-kofsky-133361",
        "full_name": "Joan Kofsky",
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          "name": "CrossCountry Mortgage",
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          "CT",
          "DE",
          "MD",
          "NJ",
          "PA",
          "SC"
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        },
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          "year": 2017,
          "state": "FL"
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        "Office in Wayne, PA",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 22713), verified 2026-10-10",
        "Earliest state license record: October 19, 2017 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
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        "confidence": "confirmed",
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        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 22713), verified 2026-10-10",
        "verified_at": "2026-10-10",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "DE",
          "NJ",
          "PA"
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        "licenses": [
          {
            "state": "DE",
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "PA",
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          {
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          "date": "2014-02-20",
          "state": "FL"
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        "licensed_since": {
          "year": 2014,
          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/philadelphia-pa-2565/edward-fallon/",
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        "Office in Philadelphia, PA",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 60151), verified 2026-10-10",
        "Earliest state license record: February 20, 2014 (Florida), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/edward-fallon-144708",
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        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 60151), verified 2026-10-10",
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        "slug": "scott-lacey-8154",
        "full_name": "Scott Lacey",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
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          "state": "RI"
        },
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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"
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        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "VT",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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          {
            "slug": "construction",
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        "earliest_license_record": {
          "date": "2020-08-05",
          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 20,
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        "Licensed in PA: confirmed with the Pennsylvania regulator (license 27794), verified 2026-10-10",
        "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",
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        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 27794), verified 2026-10-10",
        "verified_at": "2026-10-10",
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        "full_name": "Rene Gonzalez",
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        "lender": {
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
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        "branch": {
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          "CT",
          "NJ",
          "NY",
          "PA"
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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": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "PA",
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        "licensed_since": {
          "year": 2014,
          "state": "FL"
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        "lender_profile_url": "https://www.fairway.com/lo/rene-gonzalez-62315",
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        "States 30 years of experience (lender page, 2026-10-09)"
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        "json_url": "https://lendb.ai/lo/james-ward-168854.json",
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
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        "branch": {
          "city": "Houston",
          "state": "TX"
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        "licensed_states": [
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          "TX"
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        "licenses": [
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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            "slug": "new-construction",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "year": 2010,
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        "Earliest state license record: December 13, 2010 (Florida), per state regulator",
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        "full_name": "Tina Gring",
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        "json_url": "https://lendb.ai/lo/tina-gring-98983.json",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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        "lender_profile_url": "https://branches.guildmortgage.com/pa/lancaster/tina-gring-507-rgtg.html",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "licensed_states": [
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        "licenses": [
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            "state": "MD",
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        ],
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        "languages": [],
        "specialties": [
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            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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      },
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        "Licensed in PA: confirmed with the Pennsylvania regulator (license 23272), verified 2026-10-10",
        "Earliest state license record: April 14, 2021 (Florida), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
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        "verified_at": "2026-10-10",
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      },
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        "full_name": "Adam Backes",
        "canonical_url": "https://lendb.ai/lo/adam-backes-653829",
        "json_url": "https://lendb.ai/lo/adam-backes-653829.json",
        "lender": {
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          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
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          "state": "MD"
        },
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          "PA",
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "specialties": [
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        "lender_profile_url": "https://www.cmghomeloans.com/mysite/adam-backes",
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        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 28, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-backes-653829",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
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        "full_name": "Quentin Hardy",
        "canonical_url": "https://lendb.ai/lo/quentin-hardy-420639",
        "json_url": "https://lendb.ai/lo/quentin-hardy-420639.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "NC"
        },
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-5223/quentin-hardy/",
        "disciplinary_check": "not_checked"
      },
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        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 80909), verified 2026-10-10",
        "Earliest state license record: August 9, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/quentin-hardy-420639",
      "license_check": {
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        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 80909), verified 2026-10-10",
        "verified_at": "2026-10-10",
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}