{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=vacation-home&state=AR",
  "filters": {
    "specialty": [
      "vacation-home"
    ],
    "state": "AR",
    "limit": 10
  },
  "count": 4,
  "results": [
    {
      "rank": 1,
      "score": 51,
      "loan_officer": {
        "nmls_id": 882893,
        "slug": "amy-cummings-882893",
        "full_name": "Amy Cummings",
        "canonical_url": "https://lendb.ai/lo/amy-cummings-882893",
        "json_url": "https://lendb.ai/lo/amy-cummings-882893.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Texarkana",
          "state": "TX"
        },
        "licensed_states": [
          "AR",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "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": "2023-12-18",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 18, 2023 (Texas), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-cummings-882893",
      "license_check": {
        "state": "AR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 51,
      "loan_officer": {
        "nmls_id": 1305351,
        "slug": "sabrena-hughes-1305351",
        "full_name": "Sabrena Hughes",
        "canonical_url": "https://lendb.ai/lo/sabrena-hughes-1305351",
        "json_url": "https://lendb.ai/lo/sabrena-hughes-1305351.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Texarkana",
          "state": "TX"
        },
        "licensed_states": [
          "AR",
          "LA",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "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": "2015-05-04",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2015,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/sabrena-lamkin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 4, 2015 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sabrena-hughes-1305351",
      "license_check": {
        "state": "AR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.highlandsmortgage.com/agents/sabrena-lamkin/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 43,
      "loan_officer": {
        "nmls_id": 2311171,
        "slug": "brandi-langford-2311171",
        "full_name": "Brandi Langford",
        "canonical_url": "https://lendb.ai/lo/brandi-langford-2311171",
        "json_url": "https://lendb.ai/lo/brandi-langford-2311171.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Texarkana",
          "state": "TX"
        },
        "licensed_states": [
          "AR",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "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": "2022-05-09",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/brandi-langford/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 9, 2022 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/brandi-langford-2311171",
      "license_check": {
        "state": "AR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.highlandsmortgage.com/agents/brandi-langford/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 2660608,
        "slug": "paul-schmidt-2660608",
        "full_name": "Paul Schmidt",
        "canonical_url": "https://lendb.ai/lo/paul-schmidt-2660608",
        "json_url": "https://lendb.ai/lo/paul-schmidt-2660608.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-01-10",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2025,
          "state": "TX"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/paul-schmidt-2660608",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 10, 2025 (Texas), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/paul-schmidt-2660608",
      "license_check": {
        "state": "AR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/paul-schmidt-2660608"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    }
  ]
}