{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=vacation-home&state=TX",
  "filters": {
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      "vacation-home"
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    "state": "TX",
    "limit": 10
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  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 65,
      "loan_officer": {
        "nmls_id": 229458,
        "slug": "april-myrick-229458",
        "full_name": "April Myrick",
        "canonical_url": "https://lendb.ai/lo/april-myrick-229458",
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          "name": "Highlands Residential Mortgage",
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          "type": "imb"
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          "TX"
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        "licenses": [
          {
            "state": "TX",
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        "languages": [],
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          {
            "slug": "first-time-buyer",
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          {
            "slug": "investor",
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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          "state": "TX"
        },
        "licensed_since": {
          "year": 2011,
          "state": "TX"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: June 16, 2011 (Texas), per state regulator",
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        "state": "TX",
        "confidence": "confirmed",
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        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
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        "source_url": "https://www.sml.texas.gov/"
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        "vacation-home"
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      "score": 63.8,
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        "slug": "joshua-penland-216357",
        "full_name": "Josh Penland",
        "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
        "json_url": "https://lendb.ai/lo/joshua-penland-216357.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
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        "branch": {
          "city": "Round Rock",
          "state": "TX"
        },
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          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "TN",
          "TX"
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        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
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          {
            "slug": "dscr",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          "date": "2010-09-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2010,
          "state": "TX"
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        "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357",
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        "Office in Round Rock, TX",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: September 22, 2010 (Texas), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/joshua-penland-216357",
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        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "matched_specialties": [
        "vacation-home"
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      "score": 61.3,
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        "slug": "pat-fox-199779",
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        "json_url": "https://lendb.ai/lo/pat-fox-199779.json",
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          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
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        "branch": {
          "city": "Tigard",
          "state": "OR"
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          "CA",
          "MT",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-03-01",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2022,
          "state": "TX"
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        "years_experience": 17,
        "lender_profile_url": "https://www.uhm.com/loan-officers/pat-fox/",
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        "Lists Vacation home on lender page (lender page, verified 2026-10-14)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: March 1, 2022 (Texas), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/pat-fox-199779",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "matched_specialties": [
        "vacation-home"
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      "score": 59.3,
      "loan_officer": {
        "nmls_id": 279665,
        "slug": "sheri-watkins-279665",
        "full_name": "Sheri Watkins",
        "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665",
        "json_url": "https://lendb.ai/lo/sheri-watkins-279665.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868",
          "type": "imb"
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        "branch": {
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          "state": null
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        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "TN",
          "TX"
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2019-08-07",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.ruoff.com/SheriWatkins",
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      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: August 7, 2019 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665",
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        "state": "TX",
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        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "match_status": "exact",
      "matched_specialties": [
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      "score": 57,
      "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",
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          "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"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "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"
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            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-12-18",
          "state": "TX"
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        "licensed_since": {
          "year": 2023,
          "state": "TX"
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
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        "eligible": true,
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      "score": 57,
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        "canonical_url": "https://lendb.ai/lo/sabrena-hughes-1305351",
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        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
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        "branch": {
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        },
        "licensed_states": [
          "AR",
          "LA",
          "TX"
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        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "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"
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            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2015-05-04",
          "state": "TX"
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        "licensed_since": {
          "year": 2015,
          "state": "TX"
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        "years_experience": 20,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/sabrena-lamkin/",
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: May 4, 2015 (Texas), per state regulator",
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      ],
      "canonical_url": "https://lendb.ai/lo/sabrena-hughes-1305351",
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        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "match_status": "exact",
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      "score": 54.8,
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        "nmls_id": 528786,
        "slug": "jacqueline-allen-528786",
        "full_name": "Jacqueline Allen",
        "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786",
        "json_url": "https://lendb.ai/lo/jacqueline-allen-528786.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "El Segundo",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "ID",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "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": {
          "date": "2021-07-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/el-segundo-ca-8089/jacqueline-allen/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: July 15, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "score": 54.5,
      "loan_officer": {
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        "slug": "darren-davey-258314",
        "full_name": "Darren Davey",
        "canonical_url": "https://lendb.ai/lo/darren-davey-258314",
        "json_url": "https://lendb.ai/lo/darren-davey-258314.json",
        "lender": {
          "nmls_id": 466414,
          "name": "Prosperity Bank",
          "canonical_url": "https://lendb.ai/lender/prosperity-bank-466414",
          "type": "bank"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "years_experience": 26,
        "lender_profile_url": "https://prosperitybankhomeloans.com/loan_officer/darren-davey/",
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      },
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        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Office in Dallas, TX",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/darren-davey-258314",
      "license_check": {
        "state": "TX",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
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      "score": 54,
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        "slug": "kellie-buchanan-744052",
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        "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
        "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.json",
        "lender": {
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          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
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        },
        "branch": {
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          "state": "NM"
        },
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          "NM",
          "OK",
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            "confidence": "confirmed"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/",
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        "Earliest state license record: January 6, 2012 (Texas), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
      "license_check": {
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        "eligible": true,
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        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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        "full_name": "Chris Marmolejo",
        "canonical_url": "https://lendb.ai/lo/chris-marmolejo-205023",
        "json_url": "https://lendb.ai/lo/chris-marmolejo-205023.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
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          "state": null
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        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2010-06-17",
          "state": "TX"
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        "licensed_since": {
          "year": 2010,
          "state": "TX"
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        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/chris-marmolejo-205023",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "Earliest state license record: June 17, 2010 (Texas), per state regulator"
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      "canonical_url": "https://lendb.ai/lo/chris-marmolejo-205023",
      "license_check": {
        "state": "TX",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in TX: confirmed with the Texas regulator, verified 2026-10-13",
        "verified_at": "2026-10-13",
        "source_url": "https://www.sml.texas.gov/"
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      "match_status": "exact",
      "matched_specialties": [
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}