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            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": null,
        "years_experience": 25,
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        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ed-frankel-180468",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR 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/cleveland-oh-5295/edward-frankel/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "reverse"
      ],
      "unconfirmed_specialties": []
    },
    {
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      "score": 57.3,
      "loan_officer": {
        "nmls_id": 515944,
        "slug": "kyle-ridenour-515944",
        "full_name": "Kyle Ridenour",
        "canonical_url": "https://lendb.ai/lo/kyle-ridenour-515944",
        "json_url": "https://lendb.ai/lo/kyle-ridenour-515944.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Sacramento",
          "state": "CA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "NV",
          "OR"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 13,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sacramento/kyle-ridenour-357-vkkri.html",
        "disciplinary_check": "not_checked"
      },
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        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)",
        "States 13 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kyle-ridenour-515944",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR 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/sacramento/kyle-ridenour-357-vkkri.html"
      },
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      "matched_specialties": [
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}