{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=reverse&state=VA",
  "filters": {
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    "state": "VA",
    "limit": 10
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  "results": [
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      "score": 56.3,
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        },
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          "state": "VA"
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          "AL",
          "CA",
          "CO",
          "DE",
          "MA",
          "MI",
          "NM",
          "PA",
          "TX",
          "VA",
          "VT",
          "WA"
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        "Licensed in VA (listed on lender page, verified 2026-10-09)",
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      ],
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      "score": 54.8,
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          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "MD",
          "NC",
          "NH",
          "PA",
          "TX",
          "VA",
          "WA",
          "WV"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "Branch in Virginia",
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        "No disciplinary actions on file at LenDb"
      ],
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      "score": 53.8,
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          "name": "CrossCountry Mortgage",
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        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "CA",
          "GA",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
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        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-4357/thomas-hammond/"
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      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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      "score": 53.8,
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        "json_url": "https://lendb.ai/lo/bill-gaylord-680603.json",
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          "nmls_id": 3274,
          "name": "Guild Mortgage",
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        },
        "branch": {
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          "state": "NV"
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          "AZ",
          "CA",
          "NV",
          "UT",
          "VA",
          "WA"
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            "slug": "dscr",
            "evidence": "lender_page_text"
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            "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": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_experience": 33,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/bill-gaylord-483-vgbg.html"
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      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "33 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 5,
      "score": 53.3,
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        "full_name": "Dawn Rae Pemberton",
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        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json",
        "lender": {
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
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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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            "slug": "reverse",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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    },
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      "rank": 6,
      "score": 52.5,
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        "slug": "thomas-fazio-268035",
        "full_name": "Tom Fazio",
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        "json_url": "https://lendb.ai/lo/thomas-fazio-268035.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
        },
        "branch": {
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          "state": "FL"
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          "FL",
          "GA",
          "VA"
        ],
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        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/tom-fazio"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 7,
      "score": 51.8,
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        "json_url": "https://lendb.ai/lo/john-coniglio-255102.json",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Anderson",
          "state": "SC"
        },
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          "CA",
          "GA",
          "IA",
          "IL",
          "MI",
          "MN",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        "lender_profile_url": "https://branches.guildmortgage.com/sc/anderson/john-coniglio-524-chjcon.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
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          "state": "MI"
        },
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          "FL",
          "CA",
          "GA",
          "IL",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TX",
          "VA"
        ],
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          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/southfield-mi-2330/gerald-brody/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "score": 49.8,
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        "json_url": "https://lendb.ai/lo/joseph-heisler-43162.json",
        "lender": {
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        },
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          "state": null
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          "DE",
          "MD",
          "NJ",
          "PA",
          "VA"
        ],
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        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-heisler-43162"
      },
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        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
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          "city": "Newburyport",
          "state": "MA"
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          "CT",
          "ME",
          "NH",
          "VA",
          "VT"
        ],
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        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        "years_experience": 18,
        "lender_profile_url": "https://www.fairway.com/lo/daniel-ventura-19372"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in VA (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-ventura-19372"
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}