{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=va&state=NY",
  "filters": {
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    "state": "NY",
    "limit": 10
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  "count": 10,
  "results": [
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      "score": 65.8,
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        "slug": "eric-vaughn-88577",
        "full_name": "Eric Vaughn",
        "canonical_url": "https://lendb.ai/lo/eric-vaughn-88577",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Williamsville",
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        },
        "licensed_states": [
          "NY"
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        "licenses": [
          {
            "state": "NY",
            "confidence": "confirmed"
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        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "physician",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "licensed_since": null,
        "years_experience": 23,
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Williamsville, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-vaughn-88577",
      "license_check": {
        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
      },
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      "matched_specialties": [
        "va"
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      "score": 65.8,
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        "slug": "karin-gagliano-1737007",
        "full_name": "Karin Gagliano",
        "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007",
        "json_url": "https://lendb.ai/lo/karin-gagliano-1737007.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": "Pittsford",
          "state": "NY"
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          "FL",
          "NY",
          "SC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2026-03-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Pittsford, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: March 9, 2026 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007",
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        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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        "va"
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      "rank": 3,
      "score": 65,
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        "slug": "michael-santulli-119214",
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        "json_url": "https://lendb.ai/lo/michael-santulli-119214.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
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        "branch": {
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          "state": "NY"
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        "licensed_states": [
          "NY"
        ],
        "licenses": [
          {
            "state": "NY",
            "confidence": "confirmed"
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        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/michael-santulli",
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Watertown, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "States 30 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/michael-santulli-119214",
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        "state": "NY",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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        "va"
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      "score": 64.8,
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        "slug": "barry-koven-404510",
        "full_name": "Barry Koven",
        "canonical_url": "https://lendb.ai/lo/barry-koven-404510",
        "json_url": "https://lendb.ai/lo/barry-koven-404510.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Brooklyn",
          "state": "NY"
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        "licensed_states": [
          "FL",
          "CT",
          "NJ",
          "NY",
          "PA",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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            "slug": "heloc",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2019-07-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
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        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Brooklyn, NY",
        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: July 10, 2019 (Florida), per state regulator",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/barry-koven-404510",
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        "state": "NY",
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        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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      "unconfirmed_specialties": []
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      "score": 63,
      "loan_officer": {
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        "slug": "john-astrologo-441861",
        "full_name": "John Astrologo",
        "canonical_url": "https://lendb.ai/lo/john-astrologo-441861",
        "json_url": "https://lendb.ai/lo/john-astrologo-441861.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": "White Plains",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IN",
          "MA",
          "MN",
          "NC",
          "NJ",
          "NY",
          "PA",
          "SC"
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        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "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"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-03-22",
          "state": "FL"
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
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        "years_experience": 16,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/",
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
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        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: March 22, 2022 (Florida), per state regulator",
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        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
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        "full_name": "Scott Reese",
        "canonical_url": "https://lendb.ai/lo/douglas-reese-86512",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "city": "Cleveland",
          "state": "OH"
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        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "IN",
          "KS",
          "MN",
          "MT",
          "NV",
          "NY",
          "OH",
          "OR",
          "TN",
          "TX",
          "WA",
          "WI",
          "WV"
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        "licenses": [
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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": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "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": "WA",
            "confidence": "lender_reported"
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            "state": "WI",
            "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": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "heloc",
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        "earliest_license_record": {
          "date": "2022-02-22",
          "state": "TX"
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        "licensed_since": {
          "year": 2022,
          "state": "TX"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2146/douglas-reese/",
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      "reasons": [
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        "Earliest state license record: February 22, 2022 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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      "match_status": "exact",
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      "score": 62.8,
      "loan_officer": {
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        "slug": "james-mckenna-234353",
        "full_name": "James McKenna",
        "canonical_url": "https://lendb.ai/lo/james-mckenna-234353",
        "json_url": "https://lendb.ai/lo/james-mckenna-234353.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Union",
          "state": "NJ"
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        "licensed_states": [
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          "NJ",
          "NY",
          "PA"
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        "licenses": [
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            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          "date": "2021-11-16",
          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": 36,
        "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3412/james-mckenna/",
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      "reasons": [
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        "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "Earliest state license record: November 16, 2021 (Florida), per state regulator",
        "States 36 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-mckenna-234353",
      "license_check": {
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        "confidence": "confirmed",
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        "label": "Licensed in NY: confirmed with the New York regulator, verified 2026-10-14",
        "verified_at": "2026-10-14",
        "source_url": "https://www.dfs.ny.gov/"
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      "matched_specialties": [
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      "unconfirmed_specialties": []
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      "score": 62.8,
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        "full_name": "Aimee Merritt",
        "canonical_url": "https://lendb.ai/lo/aimee-merritt-418848",
        "json_url": "https://lendb.ai/lo/aimee-merritt-418848.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "CT"
        },
        "licensed_states": [
          "CT",
          "NY"
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        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/fairfield-ct-5813/aimee-merritt/",
        "disciplinary_check": "not_checked"
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