{
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  "filters": {
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          "CA",
          "GA",
          "IL",
          "IN",
          "MN",
          "MO",
          "OH",
          "OK",
          "TN",
          "TX",
          "WA"
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            "confidence": "lender_reported"
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          "IA",
          "MN",
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          "state": "FL"
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          "CA",
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          "IL",
          "IN",
          "KS",
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          "MN",
          "MO",
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          "TX",
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            "state": "KY",
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            "state": "MD",
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            "state": "MO",
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            "state": "NC",
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            "state": "SC",
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            "state": "TN",
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          {
            "state": "TX",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "slug": "down-payment-assistance",
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            "slug": "fha",
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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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        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "state": "TX",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-06-21",
          "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 USDA loan on lender page (lender page, verified 2026-10-09)",
        "MN 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",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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"
      },
      "match_status": "exact",
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      "unconfirmed_specialties": []
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      "rank": 7,
      "score": 49.8,
      "loan_officer": {
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        "slug": "nathan-julius-2613390",
        "full_name": "Nathan Julius",
        "canonical_url": "https://lendb.ai/lo/nathan-julius-2613390",
        "json_url": "https://lendb.ai/lo/nathan-julius-2613390.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Delafield",
          "state": "WI"
        },
        "licensed_states": [
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          "MN",
          "WI"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "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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        ],
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        "earliest_license_record": {
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          "state": "CO"
        },
        "licensed_since": {
          "year": 2026,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/nathan-julius",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 14, 2026 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/nathan-julius-2613390",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/nathan-julius"
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      "score": 47.3,
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        "slug": "george-harsh-237004",
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        "canonical_url": "https://lendb.ai/lo/george-harsh-237004",
        "json_url": "https://lendb.ai/lo/george-harsh-237004.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "TX"
        },
        "licensed_states": [
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          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "OH",
          "OK",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "CO"
        },
        "licensed_since": {
          "year": 2015,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-6820/george-harsh/",
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      "reasons": [
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        "Earliest state license record: September 3, 2015 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/george-harsh-237004",
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        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/houston-tx-6820/george-harsh/"
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      "score": 47.3,
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        "canonical_url": "https://lendb.ai/lo/roy-montero-351403",
        "json_url": "https://lendb.ai/lo/roy-montero-351403.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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        "licensed_states": [
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          "AZ",
          "CA",
          "HI",
          "ID",
          "MI",
          "MN",
          "NV",
          "OR",
          "WA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NV",
            "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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        "specialties": [
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        },
        "licensed_since": {
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          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/honolulu-hi-3907/roy-montero/",
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      },
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      ],
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        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/honolulu-hi-3907/roy-montero/"
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      "score": 47,
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        "full_name": "Aaron Reznechek",
        "canonical_url": "https://lendb.ai/lo/aaron-reznechek-400959",
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        "lender": {
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          "name": "CrossCountry Mortgage",
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        },
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          "TX",
          "WI"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
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        ],
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        "languages": [],
        "specialties": [
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          },
          {
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        },
        "licensed_since": {
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-4216/aaron-reznechek/",
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      "reasons": [
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      "canonical_url": "https://lendb.ai/lo/aaron-reznechek-400959",
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        "confidence": "lender_reported",
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        "label": "MN 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/bloomington-mn-4216/aaron-reznechek/"
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}