{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=va&state=OK",
  "filters": {
    "specialty": [
      "va"
    ],
    "state": "OK",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 180226,
        "slug": "alona-hayes-180226",
        "full_name": "Alona Hayes",
        "canonical_url": "https://lendb.ai/lo/alona-hayes-180226",
        "json_url": "https://lendb.ai/lo/alona-hayes-180226.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Lawton",
          "state": "OK"
        },
        "licensed_states": [
          "CO",
          "AR",
          "KS",
          "MO",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2017-12-13",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2017,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ok/lawton/alona-hayes-674-apahay.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Lawton, OK",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 13, 2017 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alona-hayes-180226",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/ok/lawton/alona-hayes-674-apahay.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
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      "unconfirmed_specialties": []
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      "score": 60,
      "loan_officer": {
        "nmls_id": 1280113,
        "slug": "jaime-dejesus-1280113",
        "full_name": "Jaime Dejesus",
        "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113",
        "json_url": "https://lendb.ai/lo/jaime-dejesus-1280113.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Grand Prairie",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "KS",
          "KY",
          "LA",
          "MD",
          "MT",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-02-10",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2018,
          "state": "TX"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/jaime-dejesus",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-11)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 10, 2018 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/jaime-dejesus-1280113",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/jaime-dejesus"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 162320,
        "slug": "dawn-pemberton-162320",
        "full_name": "Dawn Rae Pemberton",
        "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "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"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2004-10-11",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2004,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 11, 2004 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/dawn-pemberton-162320"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 307963,
        "slug": "aimee-zimmermann-307963",
        "full_name": "Kyrstin Zimmermann",
        "canonical_url": "https://lendb.ai/lo/aimee-zimmermann-307963",
        "json_url": "https://lendb.ai/lo/aimee-zimmermann-307963.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Willow Park",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CO",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-06-30",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
        },
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/willow-park-tx-4591/aimee-zimmermann/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 30, 2010 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/aimee-zimmermann-307963",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/willow-park-tx-4591/aimee-zimmermann/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
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      "unconfirmed_specialties": []
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    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 334493,
        "slug": "roberta-greenman-334493",
        "full_name": "Bobbie Greenman",
        "canonical_url": "https://lendb.ai/lo/roberta-greenman-334493",
        "json_url": "https://lendb.ai/lo/roberta-greenman-334493.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Antonio",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2005-07-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2005,
          "state": "TX"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/sanantonio/bobbie-greenman-932-chrgr.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 22, 2005 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/roberta-greenman-334493",
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        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/tx/sanantonio/bobbie-greenman-932-chrgr.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
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      "rank": 6,
      "score": 59.8,
      "loan_officer": {
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        "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",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-01-25",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 25, 2007 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/jay-garvens"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 2701842,
        "slug": "cameron-gemoets-2701842",
        "full_name": "Cameron Gemoets",
        "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842",
        "json_url": "https://lendb.ai/lo/cameron-gemoets-2701842.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": [
          "FL",
          "CA",
          "GA",
          "IL",
          "IN",
          "MN",
          "MO",
          "OH",
          "OK",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "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": "2025-10-14",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 14, 2025 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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-2131/cameron-gemoets/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 59,
      "loan_officer": {
        "nmls_id": 399405,
        "slug": "devin-fahrner-399405",
        "full_name": "Devin Fahrner",
        "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405",
        "json_url": "https://lendb.ai/lo/devin-fahrner-399405.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eagle",
          "state": "ID"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "MT",
          "NV",
          "OK",
          "OR",
          "SD",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-11-01",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/devin-fahrner",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2023 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/devin-fahrner"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
        "json_url": "https://lendb.ai/lo/morgan-cowle-40312.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",
          "CO",
          "PA",
          "AL",
          "AR",
          "CT",
          "IN",
          "KY",
          "MI",
          "OH",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-05-22",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 18,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 22, 2013 (Colorado), per state regulator",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/morgan-cowle"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 659544,
        "slug": "erika-alves-659544",
        "full_name": "Erika Alves",
        "canonical_url": "https://lendb.ai/lo/erika-alves-659544",
        "json_url": "https://lendb.ai/lo/erika-alves-659544.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-02-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4600/erika-alves/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 1, 2012 (Florida), per state regulator",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/erika-alves-659544",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/tampa-fl-4600/erika-alves/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    }
  ]
}