{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=va&state=DE",
  "filters": {
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    "state": "DE",
    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
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        "slug": "sheri-barber-243041",
        "full_name": "Sheri Barber",
        "canonical_url": "https://lendb.ai/lo/sheri-barber-243041",
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          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
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        "branch": {
          "city": "Rehoboth Beach",
          "state": "DE"
        },
        "licensed_states": [
          "DE",
          "NJ"
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        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
          {
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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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        "years_experience": 25,
        "lender_profile_url": "https://www.uhm.com/loan-officers/sheri-barber/",
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        "Office in Rehoboth Beach, DE",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
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        "state": "DE",
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        "eligible": true,
        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/sheri-barber/"
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        "slug": "ryan-george-5692",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Frederick",
          "state": "MD"
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          "FL",
          "CO",
          "AL",
          "CA",
          "DC",
          "DE",
          "GA",
          "IL",
          "LA",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2011-12-29",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/frederick-md-5076/ryan-george/",
        "disciplinary_check": "not_checked"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 29, 2011 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-george-5692",
      "license_check": {
        "state": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE 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/frederick-md-5076/ryan-george/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
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      "unconfirmed_specialties": []
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      "score": 59.8,
      "loan_officer": {
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        "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"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "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 VA loan on lender page (lender page, verified 2026-10-09)",
        "DE 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": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE 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/"
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      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
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      "score": 59.8,
      "loan_officer": {
        "nmls_id": 186602,
        "slug": "karla-melgar-186602",
        "full_name": "Karla Melgar",
        "canonical_url": "https://lendb.ai/lo/karla-melgar-186602",
        "json_url": "https://lendb.ai/lo/karla-melgar-186602.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "La Plata",
          "state": "MD"
        },
        "licensed_states": [
          "DE",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 52,
        "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar",
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      "reasons": [
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        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 52 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "DE 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/maryland/la-plata/karla-melgar"
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      "score": 59.8,
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        "slug": "william-hylind-284943",
        "full_name": "Bill Hylind",
        "canonical_url": "https://lendb.ai/lo/william-hylind-284943",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "North Bethesda",
          "state": "MD"
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        "licensed_states": [
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          "DC",
          "DE",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
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        "licenses": [
          {
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            "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": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/north-bethesda-md-2716/william-hylind/",
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        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 59.8,
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        "full_name": "Jessica Enfinger",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "DC",
          "DE",
          "GA",
          "LA",
          "MD",
          "PA",
          "VA",
          "WV"
        ],
        "licenses": [
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            "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": "GA",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "state": "WV",
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          "date": "2021-09-08",
          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-2724/jessica-enfinger/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 8, 2021 (Florida), per state regulator",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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      "match_status": "exact",
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      "unconfirmed_specialties": []
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      "score": 59.8,
      "loan_officer": {
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        "slug": "phenice-cooper-2796469",
        "full_name": "Phenice Cooper",
        "canonical_url": "https://lendb.ai/lo/phenice-cooper-2796469",
        "json_url": "https://lendb.ai/lo/phenice-cooper-2796469.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
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        "licenses": [
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            "state": "DE",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "va",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4482/phenice-cooper/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/phenice-cooper-2796469",
      "license_check": {
        "state": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE 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/scottsdale-az-4482/phenice-cooper/"
      },
      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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    {
      "rank": 8,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 204926,
        "slug": "kenneth-johnson-204926",
        "full_name": "Kenneth Johnson",
        "canonical_url": "https://lendb.ai/lo/kenneth-johnson-204926",
        "json_url": "https://lendb.ai/lo/kenneth-johnson-204926.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Doylestown",
          "state": "PA"
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        "licensed_states": [
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          "NJ",
          "PA"
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        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "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"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 19,
        "lender_profile_url": "https://crosscountrymortgage.com/doylestown-pa-2545/kenneth-johnson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "DE 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/kenneth-johnson-204926",
      "license_check": {
        "state": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE 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/doylestown-pa-2545/kenneth-johnson/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 330121,
        "slug": "mark-minadeo-330121",
        "full_name": "Mark Minadeo",
        "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121",
        "json_url": "https://lendb.ai/lo/mark-minadeo-330121.json",
        "lender": {
          "nmls_id": 152859,
          "name": "Acrisure Mortgage (formerly FBC Mortgage)",
          "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859",
          "type": "imb"
        },
        "branch": {
          "city": "Coconut Creek",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "PA",
          "DE",
          "TX"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-12-13",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2010,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://acrisuremortgage.com/mminadeo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 13, 2010 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121",
      "license_check": {
        "state": "DE",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://acrisuremortgage.com/mminadeo/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 532665,
        "slug": "michael-ciresi-532665",
        "full_name": "Michael Ciresi",
        "canonical_url": "https://lendb.ai/lo/michael-ciresi-532665",
        "json_url": "https://lendb.ai/lo/michael-ciresi-532665.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "York",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "PA",
          "VA"
        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "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": "2025-09-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/york-pa-4000/michael-ciresi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "DE listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 16, 2025 (Florida), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-ciresi-532665",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "DE 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/york-pa-4000/michael-ciresi/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
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  ]
}