{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=usda&state=KY",
  "filters": {
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    "limit": 10
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  "results": [
    {
      "rank": 1,
      "score": 61.8,
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          "PA",
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          "IN",
          "KY",
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          "TX"
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        "Earliest state license record: July 17, 2024 (Florida), per state regulator",
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        "label": "KY 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"
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          "type": "imb"
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          "KS",
          "KY",
          "MI",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
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            "confidence": "lender_reported"
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            "state": "MI",
            "confidence": "lender_reported"
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            "state": "NC",
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          {
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            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
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            "confidence": "lender_reported"
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          {
            "state": "VA",
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          "state": "FL"
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        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "type": "imb"
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          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "SC",
          "VA"
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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            "state": "SC",
            "confidence": "lender_reported"
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            "state": "VA",
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          {
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "usda",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "KY 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)"
      ],
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        "eligible": true,
        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 58.8,
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        "full_name": "Tim Summers",
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          "type": "imb"
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        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "KY",
          "TN"
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        "licenses": [
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          {
            "state": "FL",
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "specialties": [
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            "slug": "va",
            "evidence": "lender_page_text"
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          "state": "FL"
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          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "OR",
          "PA",
          "TN"
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          {
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            "confidence": "confirmed"
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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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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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            "state": "PA",
            "confidence": "confirmed"
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          {
            "slug": "jumbo",
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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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            "slug": "first-time-buyer",
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        "licensed_since": {
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          "state": "CO"
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        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/",
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        "States 10 years of experience (lender page, 2026-10-09)"
      ],
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        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/"
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        "canonical_url": "https://lendb.ai/lo/coley-rau-256481",
        "json_url": "https://lendb.ai/lo/coley-rau-256481.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bryan",
          "state": "OH"
        },
        "licensed_states": [
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          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NJ",
          "OH",
          "SC",
          "SD",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-03-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 10, 2017 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/coley-rau-256481",
      "license_check": {
        "state": "KY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY 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/bryan-oh-2035/coley-rau/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 258898,
        "slug": "daniel-larkin-258898",
        "full_name": "Dan Larkin",
        "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
        "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
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        "earliest_license_record": {
          "date": "2017-05-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
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        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 11, 2017 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/dan-larkin"
      },
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      "unconfirmed_specialties": []
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      "rank": 10,
      "score": 51.8,
      "loan_officer": {
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        "slug": "william-riley-415830",
        "full_name": "Bill Riley",
        "canonical_url": "https://lendb.ai/lo/william-riley-415830",
        "json_url": "https://lendb.ai/lo/william-riley-415830.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "OH"
        },
        "licensed_states": [
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          "IN",
          "KY",
          "OH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 26,
        "lender_profile_url": "https://crosscountrymortgage.com/springfield-oh-2127/william-riley/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 15, 2023 (Florida), per state regulator",
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      ],
      "canonical_url": "https://lendb.ai/lo/william-riley-415830",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "KY 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/springfield-oh-2127/william-riley/"
      },
      "match_status": "exact",
      "matched_specialties": [
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}