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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2026-05-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 27,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 18, 2026 (Florida), per state regulator",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-simmons-546581",
      "license_check": {
        "state": "GA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "GA 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/fort-walton-beach-fl-5300/david-simmons/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 59.8,
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        "nmls_id": 594824,
        "slug": "nicholas-redhead-594824",
        "full_name": "Nick Redhead",
        "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824",
        "json_url": "https://lendb.ai/lo/nicholas-redhead-594824.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Pensacola",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "LA",
          "TN"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          },
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            "evidence": "lender_page_text"
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          {
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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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        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/nick-redhead",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 20, 2021 (Florida), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824",
      "license_check": {
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        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/florida/tampa/nick-redhead"
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      "rank": 9,
      "score": 59.8,
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        "full_name": "James Igbinovia",
        "canonical_url": "https://lendb.ai/lo/james-igbinovia-626688",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "AZ"
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          "CA",
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          "IN",
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          "ND",
          "NE",
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          "OK",
          "PA",
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          "SD",
          "TN",
          "VA",
          "WI"
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          {
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            "confidence": "lender_reported"
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            "state": "KS",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4631/james-igbinovia/",
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      },
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      ],
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      "score": 59.8,
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        "lender": {
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        },
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/james-perfilio",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Earliest state license record: February 17, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jamie-perfilio-945664",
      "license_check": {
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        "eligible": true,
        "label": "GA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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}