{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=renovation&state=VT",
  "filters": {
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    "state": "VT",
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  "results": [
    {
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      "score": 57.8,
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        "json_url": "https://lendb.ai/lo/scott-lacey-8154.json",
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          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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          "state": "RI"
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          "DE",
          "GA",
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          "MA",
          "MD",
          "ME",
          "MI",
          "MS",
          "NC",
          "NH",
          "NJ",
          "RI",
          "SC",
          "TN",
          "VA",
          "VT"
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          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "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"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "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"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
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          "state": "FL"
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        "years_experience": 20,
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        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "States 20 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/scott-lacey-8154",
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        "eligible": true,
        "label": "VT 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": 2,
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          "type": "broker"
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        "branch": {
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          "state": "TX"
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          "AZ",
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          "IA",
          "IL",
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          "KY",
          "LA",
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          "MI",
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          "NC",
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          "OK",
          "OR",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "KS",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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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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            "state": "MN",
            "confidence": "lender_reported"
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            "state": "MO",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "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": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "VT",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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        "languages": [],
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        "licensed_since": {
          "year": 2016,
          "state": "FL"
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        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520",
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        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 5, 2016 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520"
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      "unconfirmed_specialties": []
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      "score": 45.5,
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        "full_name": "Erik Johnson",
        "canonical_url": "https://lendb.ai/lo/erik-johnson-729262",
        "json_url": "https://lendb.ai/lo/erik-johnson-729262.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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        },
        "licensed_states": [
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          "CT",
          "MD",
          "NJ",
          "NY",
          "VT"
        ],
        "licenses": [
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          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2017-02-03",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5642/erik-johnson/",
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      "score": 45,
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        "json_url": "https://lendb.ai/lo/richard-miller-1400130.json",
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          "CO",
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          "SC",
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          "VA",
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            "state": "CA",
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          {
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          {
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          {
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          {
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            "confidence": "lender_reported"
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          {
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          {
            "state": "MI",
            "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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            "confidence": "lender_reported"
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        },
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        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2136/richard-miller/",
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        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "label": "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
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        "branch": {
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          "OH",
          "OK",
          "OR",
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          "RI",
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          "SD",
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          "TX",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "RI",
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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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            "state": "TX",
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            "confidence": "lender_reported"
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          {
            "state": "VT",
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          {
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            "confidence": "lender_reported"
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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": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/Kelly-Hagler",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11)",
        "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-hagler-583063",
      "license_check": {
        "state": "VT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/Kelly-Hagler"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    }
  ]
}