{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=usda&state=IN",
  "filters": {
    "specialty": [
      "usda"
    ],
    "state": "IN",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.3,
      "loan_officer": {
        "nmls_id": 229643,
        "slug": "cori-drudge-229643",
        "full_name": "Cori Drudge",
        "canonical_url": "https://lendb.ai/lo/cori-drudge-229643",
        "json_url": "https://lendb.ai/lo/cori-drudge-229643.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-06-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 27,
        "lender_profile_url": "https://www.ruoff.com/CoriDrudge",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Fishers, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 14, 2022 (Florida), per state regulator",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cori-drudge-229643",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/CoriDrudge"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 61.3,
      "loan_officer": {
        "nmls_id": 166402,
        "slug": "michael-soliday-166402",
        "full_name": "Nathan Soliday",
        "canonical_url": "https://lendb.ai/lo/michael-soliday-166402",
        "json_url": "https://lendb.ai/lo/michael-soliday-166402.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Sellersburg",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "KY",
          "TN"
        ],
        "licenses": [
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-03-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 17,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/nathan-soliday/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Sellersburg, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 16, 2020 (Florida), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-soliday-166402",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.successmortgagepartners.com/advisor/nathan-soliday/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 82361,
        "slug": "donald-waters-82361",
        "full_name": "Don Waters",
        "canonical_url": "https://lendb.ai/lo/donald-waters-82361",
        "json_url": "https://lendb.ai/lo/donald-waters-82361.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Clayton",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KS",
          "KY",
          "MI",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-09-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/don-waters-82361",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 11, 2015 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-waters-82361",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/don-waters-82361"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 144907,
        "slug": "ron-riccitelli-jr-144907",
        "full_name": "Ron Riccitelli Jr",
        "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
        "json_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bel Air",
          "state": "MD"
        },
        "licensed_states": [
          "CO",
          "DE",
          "IN",
          "MD",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-17",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bel-air-md-2725/ronald-riccitelli-jr/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 17, 2021 (Colorado), per state regulator",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/bel-air-md-2725/ronald-riccitelli-jr/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 2701842,
        "slug": "cameron-gemoets-2701842",
        "full_name": "Cameron Gemoets",
        "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842",
        "json_url": "https://lendb.ai/lo/cameron-gemoets-2701842.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IL",
          "IN",
          "MN",
          "MO",
          "OH",
          "OK",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-11-18",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 18, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/cleveland-oh-2131/cameron-gemoets/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 186479,
        "slug": "joseph-geffert-186479",
        "full_name": "Joseph Geffert",
        "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479",
        "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"
        },
        "branch": {
          "city": null,
          "state": "KY"
        },
        "licensed_states": [
          "FL",
          "PA",
          "AR",
          "IN",
          "KY",
          "MI",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "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"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-07-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 17, 2024 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 210381,
        "slug": "craig-cusick-210381",
        "full_name": "Craig Cusick",
        "canonical_url": "https://lendb.ai/lo/craig-cusick-210381",
        "json_url": "https://lendb.ai/lo/craig-cusick-210381.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "CO",
          "IN",
          "MO",
          "OH",
          "OR",
          "TN"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-06-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 17,
        "lender_profile_url": "https://www.fairway.com/lo/craig-cusick-210381",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 15, 2021 (Florida), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/craig-cusick-210381",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/craig-cusick-210381"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 234601,
        "slug": "melissa-lutes-234601",
        "full_name": "Melissa Lutes",
        "canonical_url": "https://lendb.ai/lo/melissa-lutes-234601",
        "json_url": "https://lendb.ai/lo/melissa-lutes-234601.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IN"
        ],
        "licenses": [
          {
            "state": "IN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 19,
        "lender_profile_url": "https://www.ruoff.com/MelissaLutes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/melissa-lutes-234601",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/MelissaLutes"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 460970,
        "slug": "samantha-bayless-460970",
        "full_name": "Samantha Bayless",
        "canonical_url": "https://lendb.ai/lo/samantha-bayless-460970",
        "json_url": "https://lendb.ai/lo/samantha-bayless-460970.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IL",
          "IN",
          "KY"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-11-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 19,
        "lender_profile_url": "https://www.ruoff.com/SamanthaBayless",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 28, 2017 (Florida), per state regulator",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/samantha-bayless-460970",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/SamanthaBayless"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 1473179,
        "slug": "alexis-varga-1473179",
        "full_name": "Alexis Varga",
        "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179",
        "json_url": "https://lendb.ai/lo/alexis-varga-1473179.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "OR",
          "PA",
          "TN"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2016-08-12",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 12, 2016 (Colorado), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/chicago-il-3051/alexis-varga/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    }
  ]
}