{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=reverse&state=OH",
  "filters": {
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    "limit": 10
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      "score": 60.8,
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        "slug": "ed-frankel-180468",
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          "name": "CrossCountry Mortgage",
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          "OR",
          "TX",
          "UT",
          "WA"
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          {
            "state": "OR",
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          {
            "state": "TX",
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          {
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            "confidence": "lender_reported"
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        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "NY"
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          "CA",
          "CT",
          "GA",
          "MA",
          "MD",
          "NH",
          "NJ",
          "NY",
          "OH",
          "PA",
          "TN",
          "VA"
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          {
            "state": "CA",
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          {
            "state": "CT",
            "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": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "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": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          "state": "FL"
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        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 17, 2025 (Florida), per state regulator",
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        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/hauppauge-ny-5021/michael-oconnor/"
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        "slug": "thomas-lake-311824",
        "full_name": "Thomas Lake",
        "canonical_url": "https://lendb.ai/lo/thomas-lake-311824",
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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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          "FL",
          "AZ",
          "CA",
          "GA",
          "IL",
          "IN",
          "MD",
          "ME",
          "MN",
          "NC",
          "NV",
          "OH",
          "TN",
          "TX",
          "WA"
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            "state": "AZ",
            "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": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "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": "MN",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "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": "WA",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2020-05-18",
          "state": "FL"
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        "licensed_since": {
          "year": 2020,
          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/thomas-lake-332-chtl.html",
        "disciplinary_check": "not_checked"
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        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 18, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-lake-311824",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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/ca/sandiego/thomas-lake-332-chtl.html"
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      "score": 58.3,
      "loan_officer": {
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        "slug": "sue-hale-1417660",
        "full_name": "Sue Hale",
        "canonical_url": "https://lendb.ai/lo/sue-hale-1417660",
        "json_url": "https://lendb.ai/lo/sue-hale-1417660.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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        "branch": {
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          "state": null
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        "licensed_states": [
          "CA",
          "OH"
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        "licenses": [
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sue-hale-1417660",
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      "reasons": [
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        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.loanfactory.com/mortgage-expert/sue-hale-1417660"
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      "score": 57.3,
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        "slug": "dawn-pemberton-162320",
        "full_name": "Dawn Rae Pemberton",
        "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.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": "Naples",
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          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "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": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
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          {
            "state": "KS",
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "state": "NM",
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            "confidence": "lender_reported"
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            "state": "OK",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
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          "CO",
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          "NC",
          "NM",
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          "SC",
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        "licenses": [
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            "state": "FL",
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            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "lender_reported"
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        "languages": [],
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        "earliest_license_record": {
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          "state": "CO"
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        "licensed_since": {
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          "state": "CO"
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        "lender_profile_url": "https://www.fairway.com/lo/christine-jensen-244648",
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      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
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      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 54.8,
      "loan_officer": {
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        "slug": "robert-white-2002161",
        "full_name": "Robert White",
        "canonical_url": "https://lendb.ai/lo/robert-white-2002161",
        "json_url": "https://lendb.ai/lo/robert-white-2002161.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
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        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "OH",
          "TX",
          "WA",
          "WY"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2021-02-19",
          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": 10,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/robert-white-332-chrw.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 19, 2021 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-white-2002161",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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/ca/sandiego/robert-white-332-chrw.html"
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      "score": 51.8,
      "loan_officer": {
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        "slug": "sarena-talbert-1043739",
        "full_name": "Sarena Talbert",
        "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739",
        "json_url": "https://lendb.ai/lo/sarena-talbert-1043739.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "NM",
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          "NY",
          "OH",
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          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
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          "WI",
          "WV",
          "WY"
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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": "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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            "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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            "confidence": "lender_reported"
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          "CA",
          "GA",
          "IL",
          "MI",
          "NC",
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          "OH",
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          "SC",
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          "VA"
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}