{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=usda&state=WV",
  "filters": {
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    "state": "WV",
    "limit": 10
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  "results": [
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      "rank": 1,
      "score": 60.8,
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        "slug": "wayne-palkovic-201581",
        "full_name": "Wayne Palkovic",
        "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581",
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        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
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        },
        "licensed_states": [
          "MD",
          "PA",
          "VA",
          "WV"
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        "licenses": [
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
            "slug": "va",
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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        "licensed_since": null,
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        "lender_profile_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic",
        "disciplinary_check": "not_checked"
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        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Martinsburg, WV",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 43 years of experience (lender page, 2026-10-09)"
      ],
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        "state": "WV",
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        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic"
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        "full_name": "Jason Inglish",
        "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
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          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
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        "branch": {
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          "state": "MD"
        },
        "licensed_states": [
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          "PA",
          "MD",
          "OH",
          "SC",
          "VA",
          "WV"
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2022-07-26",
          "state": "FL"
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
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        "lender_profile_url": "https://alcova.com/loan-officer/jinglish/",
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      },
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        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://alcova.com/loan-officer/jinglish/"
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        "usda"
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        "slug": "michelle-napier-995143",
        "full_name": "Michelle Napier",
        "canonical_url": "https://lendb.ai/lo/michelle-napier-995143",
        "json_url": "https://lendb.ai/lo/michelle-napier-995143.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Martinsburg",
          "state": "WV"
        },
        "licensed_states": [
          "MD",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-06-22",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://crosscountrymortgage.com/martinsburg-wv-3955/michelle-napier/",
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      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Martinsburg, WV",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 22, 2022 (Florida), per state regulator",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-napier-995143",
      "license_check": {
        "state": "WV",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV 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/martinsburg-wv-3955/michelle-napier/"
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      "score": 50.3,
      "loan_officer": {
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        "slug": "joshua-phillips-157670",
        "full_name": "Joshua Phillips",
        "canonical_url": "https://lendb.ai/lo/joshua-phillips-157670",
        "json_url": "https://lendb.ai/lo/joshua-phillips-157670.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CT",
          "GA",
          "IA",
          "IN",
          "KY",
          "MS",
          "TN",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "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_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/joshua-phillips",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 6, 2017 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/joshua-phillips-157670",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV 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/joshua-phillips"
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        "canonical_url": "https://lendb.ai/lo/jason-fox-179208",
        "json_url": "https://lendb.ai/lo/jason-fox-179208.json",
        "lender": {
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          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Frederick",
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        "licensed_states": [
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          "CA",
          "CO",
          "DC",
          "DE",
          "IA",
          "IL",
          "IN",
          "MD",
          "MI",
          "MN",
          "NC",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "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": "MD",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "bank-statement",
            "evidence": "lender_page_text"
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            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "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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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
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      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "canonical_url": "https://lendb.ai/lo/adam-crum-1787074",
        "json_url": "https://lendb.ai/lo/adam-crum-1787074.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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        "licensed_states": [
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          "PA",
          "VA",
          "WV"
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        "licenses": [
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "state": "WV",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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        "specialties": [
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/martinsburg-wv-3955/adam-crum/",
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        "Earliest state license record: April 10, 2026 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-crum-1787074",
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        "eligible": true,
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        "source_url": "https://crosscountrymortgage.com/martinsburg-wv-3955/adam-crum/"
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      "unconfirmed_specialties": []
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      "score": 44.3,
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        "full_name": "Kelly Ann Worthington",
        "canonical_url": "https://lendb.ai/lo/kelly-worthington-1464587",
        "json_url": "https://lendb.ai/lo/kelly-worthington-1464587.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": [
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          "PA",
          "KY",
          "MI",
          "OH",
          "TN",
          "VA",
          "WA",
          "WV"
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        "licenses": [
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            "confidence": "confirmed"
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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": "PA",
            "confidence": "confirmed"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
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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/cleveland-oh-2047/kelly-worthington/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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      ],
      "canonical_url": "https://lendb.ai/lo/kelly-worthington-1464587",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "WV 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-2047/kelly-worthington/"
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      "match_status": "exact",
      "matched_specialties": [
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