{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=renovation&state=TX",
  "filters": {
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    "state": "TX",
    "limit": 10
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      "rank": 1,
      "score": 65.8,
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        "slug": "james-ward-168854",
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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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        "licensed_states": [
          "PA",
          "TX"
        ],
        "licenses": [
          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "languages": [],
        "specialties": [
          {
            "slug": "fha",
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          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2003-10-10",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2003,
          "state": "TX"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/james-ward-168854",
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: October 10, 2003 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-ward-168854",
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        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "rank": 2,
      "score": 65,
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        "full_name": "Patty Porto",
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          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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          "city": "Houston",
          "state": "TX"
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        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
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        "languages": [
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          "es"
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        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "TX"
        },
        "licensed_since": {
          "year": 2012,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/patty-porto-275265",
        "disciplinary_check": "not_checked"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: June 6, 2012 (Texas), per state regulator",
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        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "score": 65,
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        "slug": "angel-rodriguez-322455",
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          "state": "TX"
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          "TX"
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        "licenses": [
          {
            "state": "TX",
            "confidence": "confirmed"
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        "languages": [
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          "es"
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        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          "date": "2022-04-25",
          "state": "TX"
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        "licensed_since": {
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          "state": "TX"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: April 25, 2022 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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        "full_name": "Michelle Muqtadir",
        "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
        "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "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": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
          },
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-10-14",
          "state": "TX"
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        "licensed_since": {
          "year": 2022,
          "state": "TX"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: October 14, 2022 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "score": 62.8,
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        "slug": "justin-boyd-219007",
        "full_name": "Justin Boyd",
        "canonical_url": "https://lendb.ai/lo/justin-boyd-219007",
        "json_url": "https://lendb.ai/lo/justin-boyd-219007.json",
        "lender": {
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          "name": "Prosperity Bank",
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        "licensed_states": [
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            "state": "TX",
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          {
            "slug": "construction",
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            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://prosperitybankhomeloans.com/loan_officer/justin-boyd/",
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        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/justin-boyd-219007",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577",
        "json_url": "https://lendb.ai/lo/beverly-liesy-241577.json",
        "lender": {
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          "name": "Newrez",
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          "type": "imb"
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            "confidence": "lender_reported"
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          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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            "slug": "renovation",
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      "score": 59.8,
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          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
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        "licenses": [
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "years_experience": 14,
        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560",
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        "States 14 years of experience (lender page, 2026-10-09)"
      ],
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        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
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      "score": 58.8,
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        "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121",
        "json_url": "https://lendb.ai/lo/mark-minadeo-330121.json",
        "lender": {
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          "name": "Acrisure Mortgage (formerly FBC Mortgage)",
          "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859",
          "type": "imb"
        },
        "branch": {
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        },
        "licensed_states": [
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          "PA",
          "DE",
          "TX"
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        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
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          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2010-12-13",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2010,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://acrisuremortgage.com/mminadeo/",
        "disciplinary_check": "not_checked"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: December 13, 2010 (Florida), per state regulator",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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}