{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=va&state=NM",
  "filters": {
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    "state": "NM",
    "limit": 10
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  "count": 10,
  "results": [
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      "score": 60.8,
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        "slug": "brenda-gonzales-2638408",
        "full_name": "Brenda Gonzales",
        "canonical_url": "https://lendb.ai/lo/brenda-gonzales-2638408",
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          "NM"
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        "licenses": [
          {
            "state": "NM",
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          {
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          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
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        "branch": {
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          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
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          "PA",
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "TN",
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
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          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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          "year": 2004,
          "state": "TX"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: October 11, 2004 (Texas), per state regulator"
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        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM 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": "Josh Penland",
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        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Round Rock",
          "state": "TX"
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        "licensed_states": [
          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "TN",
          "TX"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "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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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2010-09-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
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        "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357",
        "disciplinary_check": "not_checked"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 22, 2010 (Texas), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
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        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/josh-penland-216357"
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      "matched_specialties": [
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      "score": 59.8,
      "loan_officer": {
        "nmls_id": 368259,
        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
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        "branch": {
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          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
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        "licenses": [
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            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "MO",
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            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "OK",
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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            "state": "TX",
            "confidence": "confirmed"
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            "state": "UT",
            "confidence": "lender_reported"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: January 25, 2007 (Colorado), per state regulator",
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        "full_name": "Bruce Gibson",
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        "json_url": "https://lendb.ai/lo/bruce-gibson-501286.json",
        "lender": {
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          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
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          "NM"
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        "licenses": [
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            "state": "NM",
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        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "reverse",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "Earliest state license record: December 5, 2022 (Florida), per state regulator",
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        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://xperthomelending.com/loan-directory/bruce-gibson"
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "licensed_states": [
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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        "federal_registration_likely": false,
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        "specialties": [
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        "earliest_license_record": {
          "date": "2014-12-23",
          "state": "TX"
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        "licensed_since": {
          "year": 2014,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nm/farmington/davin-jacquez-108-lgrj.html",
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      "reasons": [
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        "Office in Farmington, NM",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 23, 2014 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/davin-jacquez-1198423",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/nm/farmington/davin-jacquez-108-lgrj.html"
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    {
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      "score": 58.3,
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        "slug": "lisa-cummings-199679",
        "full_name": "Lisa Cummings",
        "canonical_url": "https://lendb.ai/lo/lisa-cummings-199679",
        "json_url": "https://lendb.ai/lo/lisa-cummings-199679.json",
        "lender": {
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
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          "state": "NM"
        },
        "licensed_states": [
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          "NM",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-06-23",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/lisa-cummings-199679",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Albuquerque, NM",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 23, 2007 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-cummings-199679",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/lisa-cummings-199679"
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        "canonical_url": "https://lendb.ai/lo/sandy-johnson-217386",
        "json_url": "https://lendb.ai/lo/sandy-johnson-217386.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "El Paso",
          "state": "TX"
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        "licensed_states": [
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          "TX"
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        "licenses": [
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            "confidence": "lender_reported"
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        },
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          "year": 2010,
          "state": "TX"
        },
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://branches.guildmortgage.com/tx/elpaso/sandy-johnson-480-chsjo.html"
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          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
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          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
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          "MT",
          "NC",
          "NE",
          "NM",
          "OH",
          "OK",
          "SD",
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          "TX",
          "VA",
          "WA"
        ],
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
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            "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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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 25, 2011 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-10)"
      ],
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        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen"
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      "score": 57.3,
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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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          "state": "CO"
        },
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          "CO",
          "IN",
          "KS",
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          "TX"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "years_experience": 15,
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}