{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=usda&state=MA",
  "filters": {
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      "usda"
    ],
    "state": "MA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
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        "nmls_id": 4395,
        "slug": "fred-damore-4395",
        "full_name": "Fred Damore",
        "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
        "json_url": "https://lendb.ai/lo/fred-damore-4395.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Methuen",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
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        "years_experience": 30,
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      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/fred-damore-4395"
    },
    {
      "rank": 2,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 133559,
        "slug": "steven-hochrein-133559",
        "full_name": "Steven Hochrein",
        "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
        "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 14,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559"
    },
    {
      "rank": 3,
      "score": 52.3,
      "loan_officer": {
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        "slug": "michael-nadeau-20421",
        "full_name": "Mike Nadeau",
        "canonical_url": "https://lendb.ai/lo/michael-nadeau-20421",
        "json_url": "https://lendb.ai/lo/michael-nadeau-20421.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Seekonk",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/mike-nadeau/"
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      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-nadeau-20421"
    },
    {
      "rank": 4,
      "score": 52,
      "loan_officer": {
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        "slug": "lori-jule-190409",
        "full_name": "Lori Jule",
        "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
        "json_url": "https://lendb.ai/lo/lori-jule-190409.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
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          "FL",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NE",
          "NH",
          "NJ",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WV"
        ],
        "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": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lori-jule-190409"
    },
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      "rank": 5,
      "score": 50.8,
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        "slug": "jason-bowman-109540",
        "full_name": "Jason Bowman",
        "canonical_url": "https://lendb.ai/lo/jason-bowman-109540",
        "json_url": "https://lendb.ai/lo/jason-bowman-109540.json",
        "lender": {
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          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MA",
          "CO"
        ],
        "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"
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        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/jason-bowman/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-bowman-109540"
    },
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      "rank": 6,
      "score": 50.3,
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        "slug": "jeffrey-crusse-110395",
        "full_name": "Jeff Crusse",
        "canonical_url": "https://lendb.ai/lo/jeffrey-crusse-110395",
        "json_url": "https://lendb.ai/lo/jeffrey-crusse-110395.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "GA",
          "MA",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_experience": 10,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/jeff-crusse/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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    },
    {
      "rank": 7,
      "score": 50,
      "loan_officer": {
        "nmls_id": 110369,
        "slug": "terry-terzakis-110369",
        "full_name": "Terry T. Terzakis",
        "canonical_url": "https://lendb.ai/lo/terry-terzakis-110369",
        "json_url": "https://lendb.ai/lo/terry-terzakis-110369.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
          "city": "North Haven",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CT",
          "GA",
          "MA",
          "ME",
          "NH",
          "NJ",
          "NY",
          "PA",
          "RI",
          "SC",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": null,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/terry-terzakis"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 8,
      "score": 49.8,
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        "json_url": "https://lendb.ai/lo/david-somma-189060.json",
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          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "GA",
          "MA",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": 10,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/david-g-somma/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "10 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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    },
    {
      "rank": 9,
      "score": 49.3,
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        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
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        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
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          "city": null,
          "state": null
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          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "22 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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    },
    {
      "rank": 10,
      "score": 48.8,
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        "slug": "sarah-haberkorn-42492",
        "full_name": "Sarah Haberkorn",
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        "json_url": "https://lendb.ai/lo/sarah-haberkorn-42492.json",
        "lender": {
          "nmls_id": 6666,
          "name": "Envoy Mortgage",
          "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666",
          "type": "imb"
        },
        "branch": {
          "city": "Dover",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 19,
        "lender_profile_url": "https://www.envoymortgage.com/shaberkorn/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sarah-haberkorn-42492"
    }
  ]
}