{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=vacation-home&state=ME",
  "filters": {
    "specialty": [
      "vacation-home"
    ],
    "state": "ME",
    "limit": 10
  },
  "count": 1,
  "results": [
    {
      "rank": 1,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 56904,
        "slug": "christopher-graves-56904",
        "full_name": "Christopher Graves",
        "canonical_url": "https://lendb.ai/lo/christopher-graves-56904",
        "json_url": "https://lendb.ai/lo/christopher-graves-56904.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Windham",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-01-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/christopher-graves/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 19, 2023 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-graves-56904",
      "license_check": {
        "state": "ME",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "ME listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://nfmlending.com/loanoriginator/christopher-graves/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    }
  ]
}