{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=va&state=RI",
  "filters": {
    "specialty": [
      "va"
    ],
    "state": "RI",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 481139,
        "slug": "joseph-smith-481139",
        "full_name": "Joe Smith",
        "canonical_url": "https://lendb.ai/lo/joseph-smith-481139",
        "json_url": "https://lendb.ai/lo/joseph-smith-481139.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boston",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-smith-481139"
    },
    {
      "rank": 2,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 22078,
        "slug": "david-johansen-22078",
        "full_name": "David Johansen",
        "canonical_url": "https://lendb.ai/lo/david-johansen-22078",
        "json_url": "https://lendb.ai/lo/david-johansen-22078.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Warwick",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 22,
        "lender_profile_url": "https://branches.guildmortgage.com/ri/warwick/david-johansen-889-rgdjoh.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "Branch in Rhode Island",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/david-johansen-22078"
    },
    {
      "rank": 3,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 129424,
        "slug": "justin-bolton-129424",
        "full_name": "Justin Bolton",
        "canonical_url": "https://lendb.ai/lo/justin-bolton-129424",
        "json_url": "https://lendb.ai/lo/justin-bolton-129424.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Wakefield",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MA",
          "NC",
          "NJ",
          "RI",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 13,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/justin-bolton"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "Branch in Rhode Island",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/justin-bolton-129424"
    },
    {
      "rank": 4,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 404510,
        "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"
        },
        "licensed_states": [
          "FL",
          "CT",
          "NJ",
          "NY",
          "PA",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/barry-koven-404510"
    },
    {
      "rank": 5,
      "score": 52,
      "loan_officer": {
        "nmls_id": 190409,
        "slug": "lori-jule-190409",
        "full_name": "Lori Jule",
        "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
        "json_url": "https://lendb.ai/lo/lori-jule-190409.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NE",
          "NH",
          "NJ",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lori-jule-190409"
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 848400,
        "slug": "susan-howe-848400",
        "full_name": "Susan Howe",
        "canonical_url": "https://lendb.ai/lo/susan-howe-848400",
        "json_url": "https://lendb.ai/lo/susan-howe-848400.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Foxboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IA",
          "LA",
          "MA",
          "MD",
          "NC",
          "NH",
          "NY",
          "PA",
          "RI",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/susan-howe-848400"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-howe-848400"
    },
    {
      "rank": 7,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 16721,
        "slug": "george-komoroski-16721",
        "full_name": "George Komoroski",
        "canonical_url": "https://lendb.ai/lo/george-komoroski-16721",
        "json_url": "https://lendb.ai/lo/george-komoroski-16721.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Milford",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "CT",
          "IL",
          "IN",
          "MA",
          "MI",
          "MO",
          "NJ",
          "NY",
          "OH",
          "PA",
          "RI",
          "TX",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 15,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/george-komoroski"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/george-komoroski-16721"
    },
    {
      "rank": 8,
      "score": 50,
      "loan_officer": {
        "nmls_id": 110369,
        "slug": "terry-terzakis-110369",
        "full_name": "Terry T. Terzakis",
        "canonical_url": "https://lendb.ai/lo/terry-terzakis-110369",
        "json_url": "https://lendb.ai/lo/terry-terzakis-110369.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
          "city": "North Haven",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CT",
          "GA",
          "MA",
          "ME",
          "NH",
          "NJ",
          "NY",
          "PA",
          "RI",
          "SC",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/terry-terzakis"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/terry-terzakis-110369"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
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        "slug": "colby-boppel-1713611",
        "full_name": "Colby Boppel",
        "canonical_url": "https://lendb.ai/lo/colby-boppel-1713611",
        "json_url": "https://lendb.ai/lo/colby-boppel-1713611.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Bedford",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "RI",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/colby-boppel"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/colby-boppel-1713611"
    },
    {
      "rank": 10,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 60099,
        "slug": "michael-murgatroy-60099",
        "full_name": "Michael Murgatroy",
        "canonical_url": "https://lendb.ai/lo/michael-murgatroy-60099",
        "json_url": "https://lendb.ai/lo/michael-murgatroy-60099.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-murgatroy-60099"
    }
  ]
}