{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=self-employed&state=FL",
  "filters": {
    "specialty": [
      "self-employed"
    ],
    "state": "FL",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 312131,
        "slug": "kirk-taylor-312131",
        "full_name": "Kirk Taylor",
        "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131",
        "json_url": "https://lendb.ai/lo/kirk-taylor-312131.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "MA",
          "MI",
          "NV",
          "OK",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131"
    },
    {
      "rank": 2,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 1575578,
        "slug": "luis-de-la-cruz-munoz-1575578",
        "full_name": "Luis De La Cruz Munoz",
        "canonical_url": "https://lendb.ai/lo/luis-de-la-cruz-munoz-1575578",
        "json_url": "https://lendb.ai/lo/luis-de-la-cruz-munoz-1575578.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3754/luis-de-la-cruz-munoz/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/luis-de-la-cruz-munoz-1575578"
    },
    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 323192,
        "slug": "wayne-demaline-323192",
        "full_name": "Wayne Demaline",
        "canonical_url": "https://lendb.ai/lo/wayne-demaline-323192",
        "json_url": "https://lendb.ai/lo/wayne-demaline-323192.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/wayne-demaline/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/wayne-demaline-323192"
    },
    {
      "rank": 4,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 369430,
        "slug": "daniel-longman-369430",
        "full_name": "Dan Longman",
        "canonical_url": "https://lendb.ai/lo/daniel-longman-369430",
        "json_url": "https://lendb.ai/lo/daniel-longman-369430.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Plantation",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "OH",
          "SC",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 28,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/dan-longman/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-longman-369430"
    },
    {
      "rank": 5,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 369494,
        "slug": "robin-stacey-369494",
        "full_name": "Robin Stacey",
        "canonical_url": "https://lendb.ai/lo/robin-stacey-369494",
        "json_url": "https://lendb.ai/lo/robin-stacey-369494.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Orlando",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 12,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/robin-stacey/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/robin-stacey-369494"
    },
    {
      "rank": 6,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 175852,
        "slug": "eric-gasper-175852",
        "full_name": "Eric Gasper",
        "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
        "json_url": "https://lendb.ai/lo/eric-gasper-175852.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Mineola",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "CT",
          "DC",
          "DE",
          "IL",
          "MA",
          "ME",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-gasper-175852"
    },
    {
      "rank": 7,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 689931,
        "slug": "joni-utnage-689931",
        "full_name": "Joni Utnage",
        "canonical_url": "https://lendb.ai/lo/joni-utnage-689931",
        "json_url": "https://lendb.ai/lo/joni-utnage-689931.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "IL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joni-utnage-689931"
    },
    {
      "rank": 8,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 481139,
        "slug": "joseph-smith-481139",
        "full_name": "Joe Smith",
        "canonical_url": "https://lendb.ai/lo/joseph-smith-481139",
        "json_url": "https://lendb.ai/lo/joseph-smith-481139.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boston",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-smith-481139"
    },
    {
      "rank": 9,
      "score": 56,
      "loan_officer": {
        "nmls_id": 267908,
        "slug": "moises-alvarez-267908",
        "full_name": "Moises Alvarez",
        "canonical_url": "https://lendb.ai/lo/moises-alvarez-267908",
        "json_url": "https://lendb.ai/lo/moises-alvarez-267908.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/moises-alvarez"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/moises-alvarez-267908"
    },
    {
      "rank": 10,
      "score": 56,
      "loan_officer": {
        "nmls_id": 1604375,
        "slug": "elalie-regis-1604375",
        "full_name": "Elalie Regis",
        "canonical_url": "https://lendb.ai/lo/elalie-regis-1604375",
        "json_url": "https://lendb.ai/lo/elalie-regis-1604375.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [
          "ht"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/elalie-regis-1604375"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/elalie-regis-1604375"
    }
  ]
}