{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=rural&state=MI",
  "filters": {
    "specialty": [
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    ],
    "state": "MI",
    "limit": 10
  },
  "count": 3,
  "results": [
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      "rank": 1,
      "score": 62,
      "loan_officer": {
        "nmls_id": 138101,
        "slug": "brian-hervey-138101",
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        "canonical_url": "https://lendb.ai/lo/brian-hervey-138101",
        "json_url": "https://lendb.ai/lo/brian-hervey-138101.json",
        "lender": {
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          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Reed City",
          "state": "MI"
        },
        "licensed_states": [
          "MI"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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        "specialties": [
          {
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.uhm.com/loan-officers/brian-hervey/",
        "disciplinary_check": "not_checked"
      },
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        "Office in Reed City, MI",
        "MI 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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        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/brian-hervey/"
      },
      "match_status": "exact",
      "matched_specialties": [
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    {
      "rank": 2,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 186479,
        "slug": "joseph-geffert-186479",
        "full_name": "Joseph Geffert",
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        "json_url": "https://lendb.ai/lo/joseph-geffert-186479.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
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          "state": "KY"
        },
        "licensed_states": [
          "FL",
          "PA",
          "AR",
          "IN",
          "KY",
          "MI",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
          }
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-05-16",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2024,
          "state": "TX"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479",
        "disciplinary_check": "not_checked"
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        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: May 16, 2024 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI 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/joseph-geffert-186479"
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      "matched_specialties": [
        "rural"
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      "unconfirmed_specialties": []
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      "rank": 3,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 436952,
        "slug": "jeffrey-aurand-436952",
        "full_name": "Jeffrey Aurand",
        "canonical_url": "https://lendb.ai/lo/jeffrey-aurand-436952",
        "json_url": "https://lendb.ai/lo/jeffrey-aurand-436952.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Maumee",
          "state": "OH"
        },
        "licensed_states": [
          "MI",
          "OH"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/jaurand/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-14)",
        "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-aurand-436952",
      "license_check": {
        "state": "MI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/jaurand/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
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      "unconfirmed_specialties": []
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  ]
}