{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=rural&state=SC",
  "filters": {
    "specialty": [
      "rural"
    ],
    "state": "SC",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 78989,
        "slug": "russell-smith-78989",
        "full_name": "Russell Smith",
        "canonical_url": "https://lendb.ai/lo/russell-smith-78989",
        "json_url": "https://lendb.ai/lo/russell-smith-78989.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
        },
        "branch": {
          "city": "Whiteville",
          "state": "NC"
        },
        "licensed_states": [
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 32,
        "lender_profile_url": "https://alcova.com/loan-officer/rsmith/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 32 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/russell-smith-78989",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://alcova.com/loan-officer/rsmith/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    }
  ]
}