{
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  "filters": {
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    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 59.8,
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        "nmls_id": 175142,
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        "canonical_url": "https://lendb.ai/lo/joe-soto-175142",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "city": "Cypress",
          "state": "CA"
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          "AZ",
          "CA",
          "GA",
          "HI",
          "ID",
          "NC",
          "NV",
          "OR",
          "RI",
          "TN",
          "TX",
          "WA"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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            "state": "TN",
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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          {
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        "years_experience": 20,
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      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
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        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 59.8,
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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          {
            "slug": "jumbo",
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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          "state": "FL"
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      },
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        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
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        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/"
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      "score": 58.8,
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        "full_name": "Evan Luchaco",
        "canonical_url": "https://lendb.ai/lo/evan-luchaco-887608",
        "json_url": "https://lendb.ai/lo/evan-luchaco-887608.json",
        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "licensed_states": [
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          "AK",
          "AZ",
          "CA",
          "IA",
          "ID",
          "MT",
          "NE",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
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            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "slug": "va",
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        "earliest_license_record": {
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        "licensed_since": {
          "year": 2023,
          "state": "CO"
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        "years_experience": 12,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/evan-luchaco",
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        "Office in Portland, OR",
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        "source_url": "https://www.churchillmortgage.com/loan-officers/evan-luchaco"
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
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          "state": null
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        "licensed_states": [
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          "AZ",
          "CA",
          "HI",
          "ID",
          "KS",
          "NM",
          "OR",
          "TX",
          "WA"
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        "licenses": [
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "HI",
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "state": "TX",
            "confidence": "lender_reported"
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            "state": "WA",
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        "languages": [
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          "tl"
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            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        "licensed_states": [
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          "CO",
          "CA",
          "CT",
          "DC",
          "DE",
          "IL",
          "MA",
          "ME",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "TX",
          "VA"
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          {
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            "confidence": "confirmed"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "MA",
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "state": "OH",
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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            "state": "VA",
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2010-11-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2010,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/",
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      },
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        "Earliest state license record: November 22, 2010 (Colorado), per state regulator"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR 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/mineola-ny-4750/eric-gasper/"
      },
      "match_status": "exact",
      "matched_specialties": [
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    {
      "rank": 6,
      "score": 54,
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        "slug": "denise-montgomery-57734",
        "full_name": "Denise Cuddeback Montgomery",
        "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
        "json_url": "https://lendb.ai/lo/denise-montgomery-57734.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
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        },
        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "ID",
          "MN",
          "MT",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/denise-montgomery",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Eugene, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 21, 2023 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
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        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/denise-montgomery"
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      "score": 53.8,
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        "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
        "json_url": "https://lendb.ai/lo/charles-toll-1783114.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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        },
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          "CO",
          "AZ",
          "CA",
          "GA",
          "HI",
          "IL",
          "IN",
          "MT",
          "NM",
          "NV",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
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          {
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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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          {
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            "confidence": "lender_reported"
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        },
        "licensed_since": {
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          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/",
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      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 12, 2018 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
      "license_check": {
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        "confidence": "lender_reported",
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        "source_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/"
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      "matched_specialties": [
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      "score": 52.8,
      "loan_officer": {
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        "full_name": "Todd Williams",
        "canonical_url": "https://lendb.ai/lo/todd-williams-114774",
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        "lender": {
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          "name": "CrossCountry Mortgage",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lake-oswego-or-5423/todd-williams/",
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        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/lake-oswego-or-5423/todd-williams/"
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      "score": 52.8,
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        "full_name": "Josiah Paul Shelman",
        "canonical_url": "https://lendb.ai/lo/josiah-shelman-1824996",
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        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
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          "state": "WA"
        },
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          "ID",
          "OR",
          "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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            "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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        "languages": [],
        "specialties": [
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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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        "earliest_license_record": null,
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        "years_experience": 6,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/tumwater/josiah-shelman-482-tcjsh.html",
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      "score": 52.8,
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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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            "confidence": "confirmed"
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        "languages": [],
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2026-06-29",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2026,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/eugene-or-3942/cormac-reidy-taylor/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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      "canonical_url": "https://lendb.ai/lo/cormac-reidy-taylor-2260426",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/eugene-or-3942/cormac-reidy-taylor/"
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}