{ "canonical_url": "https://lendb.ai/lang/es/south-carolina", "summary": "As of 2026-10-26, LenDb lists 23 loan officers licensed in or based in South Carolina whose lender pages say they speak Spanish. The top-ranked are Dinky Warr (CrossCountry Mortgage, Lexington), Francisco J Ippoliti (JPMorgan Chase Bank (Chase Home Lending), Columbia) and Jim Duffy (ALCOVA Mortgage, Summerville). Ranking is lender-neutral: a license in SC, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "es", "state": "SC", "total": 23, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 42.3, "loan_officer": { "nmls_id": 2353237, "slug": "dinky-warr-2353237", "full_name": "Dinky Warr", "canonical_url": "https://lendb.ai/lo/dinky-warr-2353237", "json_url": "https://lendb.ai/lo/dinky-warr-2353237.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "SC" }, "headshot_url": "https://thevault.ccm.com/m/8149b6ca42436cfd/Website-4120_Warr_2353237.jpg", "licensed_states": [ "SC" ], "licenses": [ { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/lexington-sc-4120/daniel-warr/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-22)", "Office in Lexington, SC", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 18 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/dinky-warr-2353237", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/lexington-sc-4120/daniel-warr/" } }, { "rank": 2, "score": 40.5, "loan_officer": { "nmls_id": 418577, "slug": "francisco-j-ippoliti-418577", "full_name": "Francisco J Ippoliti", "canonical_url": "https://lendb.ai/lo/francisco-j-ippoliti-418577", "json_url": "https://lendb.ai/lo/francisco-j-ippoliti-418577.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Columbia", "state": "SC" }, "headshot_url": "http://a.mktgcdn.com/p/uMbDuYAGp8Y-To_1zEMxuC7XHaOUllfdfmKVFKUsTZE/723x1083.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 28, "lender_profile_url": "https://homelendingadvisor.chase.com/sc/columbia/4800-garners-ferry-rd-hla-418577", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Columbia, SC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/francisco-j-ippoliti-418577", "license_check": { "state": "SC", "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": "2026-10-26", "source_url": null } }, { "rank": 3, "score": 37.8, "loan_officer": { "nmls_id": 35122, "slug": "james-duffy-35122", "full_name": "Jim Duffy", "licensed_names": [ { "name": "James Duffy", "name_with_middle_initial": "James C. Duffy", "first_name": "James", "middle_initial": "C", "last_name": "Duffy", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/james-duffy-35122", "json_url": "https://lendb.ai/lo/james-duffy-35122.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "slug": "alcova-mortgage-40508", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Summerville", "state": "SC" }, "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/jim-duffy.png", "licensed_states": [ "FL", "GA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "1099-income", "bank-statement", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-09-12", "state": "FL" }, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://alcova.com/loan-officer/jduffy/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Summerville, SC", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 12, 2016 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/james-duffy-35122", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://alcova.com/loan-officer/jduffy/" } }, { "rank": 4, "score": 33.3, "loan_officer": { "nmls_id": 661857, "slug": "luis-kercado-661857", "full_name": "Luis Kercado", "licensed_names": [ { "name": "Luis Kercado", "name_with_middle_initial": "Luis E. Kercado", "first_name": "Luis", "middle_initial": "E", "last_name": "Kercado", "states": [ "CO", "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/luis-kercado-661857", "json_url": "https://lendb.ai/lo/luis-kercado-661857.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tequesta", "state": "FL" }, "headshot_url": "https://thevault.ccm.com/m/41c330a941961eee/Website-3939_Kercado_661857.jpg", "licensed_states": [ "FL", "CO", "TX", "WI", "GA", "KY", "MS", "NC", "SC", "VA" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "first-time-buyer", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-01-22", "state": "CO" }, "licensed_since": { "year": 2025, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 22, 2025 (Colorado), per state regulator", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/luis-kercado-661857", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/tequesta-fl-3939/luis-kercado/" } }, { "rank": 5, "score": 33.3, "loan_officer": { "nmls_id": 1013615, "slug": "susan-lazcano-1013615", "full_name": "Susan Lazcano", "canonical_url": "https://lendb.ai/lo/susan-lazcano-1013615", "json_url": "https://lendb.ai/lo/susan-lazcano-1013615.json", "lender": { "nmls_id": 1041, "name": "Summit Mortgage Corporation", "slug": "summit-mortgage-corporation-1041", "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041", "type": "other" }, "branch": { "city": "Jacksonville", "state": "FL" }, "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/S_LazcanoC-1-400x400.png", "licensed_states": [ "FL", "GA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2015-05-04", "state": "IA" }, "licensed_since": { "year": 2015, "state": "IA" }, "years_experience": 20, "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/susan-lazcano/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 4, 2015 (Iowa), per state regulator", "States 20 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/susan-lazcano-1013615", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.summit-mortgage.com/loan-officer/susan-lazcano/" } }, { "rank": 6, "score": 33.3, "loan_officer": { "nmls_id": 1398321, "slug": "christina-mccollum-1398321", "full_name": "Christina McCollum", "licensed_names": [ { "name": "Christina McCollum", "name_with_middle_initial": "Christina R. McCollum", "first_name": "Christina", "middle_initial": "R", "last_name": "McCollum", "states": [ "CA", "FL", "MA", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321", "json_url": "https://lendb.ai/lo/christina-mccollum-1398321.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "slug": "churchill-mortgage-1591", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Kennewick", "state": "WA" }, "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Christina%20McCollum3.jpeg", "licensed_states": [ "FL", "MO", "TX", "AK", "AL", "AZ", "CA", "GA", "ID", "IL", "MA", "MI", "MT", "NC", "NE", "OH", "OR", "SC", "TN", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "asset-based", "bank-statement", "condo-non-warrantable", "condotel", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "multi-family-2-4", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-02-06", "state": "OR" }, "licensed_since": { "year": 2017, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 6, 2017 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum" } }, { "rank": 7, "score": 32.8, "loan_officer": { "nmls_id": 2860997, "slug": "christian-ruiz-2860997", "full_name": "Christian Ruiz", "canonical_url": "https://lendb.ai/lo/christian-ruiz-2860997", "json_url": "https://lendb.ai/lo/christian-ruiz-2860997.json", "lender": { "nmls_id": 1124061, "name": "Lower", "slug": "lower-1124061", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Greenville", "state": "SC" }, "headshot_url": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-christian-ruiz.jpg?quality=80&format=webp&width=800&height=800&name=lo-christian-ruiz.jpg", "licensed_states": [ "GA", "NC", "SC" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-10)", "Office in Greenville, SC", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/christian-ruiz-2860997", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/south-carolina/greenville/christian-ruiz" } }, { "rank": 8, "score": 30, "loan_officer": { "nmls_id": 209052, "slug": "david-rodriguez-209052", "full_name": "David Rodriguez", "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052", "json_url": "https://lendb.ai/lo/david-rodriguez-209052.json", "lender": { "nmls_id": 208516, "name": "Integrity Home Mortgage Corporation", "slug": "integrity-home-mortgage-corporation-208516", "canonical_url": "https://lendb.ai/lender/integrity-home-mortgage-corporation-208516", "type": "imb" }, "branch": { "city": "Jersey Village", "state": "TX" }, "headshot_url": null, "licensed_states": [ "TX", "AL", "AR", "CO", "DC", "DE", "FL", "GA", "IA", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "OH", "OK", "PA", "RI", "SC", "TN", "UT", "VA", "WV" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-09-02", "state": "TX" }, "licensed_since": { "year": 2010, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://ihmcloans.com/david-rodriguez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 2, 2010 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/david-rodriguez-209052", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://ihmcloans.com/david-rodriguez/" } }, { "rank": 9, "score": 30, "loan_officer": { "nmls_id": 1925347, "slug": "pamela-miller-1925347", "full_name": "Pamela Miller", "canonical_url": "https://lendb.ai/lo/pamela-miller-1925347", "json_url": "https://lendb.ai/lo/pamela-miller-1925347.json", "lender": { "nmls_id": 399802, "name": "Bank of America", "slug": "bank-of-america-399802", "canonical_url": "https://lendb.ai/lender/bank-of-america-399802", "type": "bank" }, "branch": { "city": "Greer", "state": "SC" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/66528E95-9E6F-4768-9C9E-56AD0E9ED1E0.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "physician", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://mortgage.bankofamerica.com/pmiller7", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Greer, SC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/pamela-miller-1925347", "license_check": { "state": "SC", "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": "2026-10-19", "source_url": null } }, { "rank": 10, "score": 30, "loan_officer": { "nmls_id": 2168013, "slug": "marisol-fuentes-2168013", "full_name": "Marisol Fuentes", "canonical_url": "https://lendb.ai/lo/marisol-fuentes-2168013", "json_url": "https://lendb.ai/lo/marisol-fuentes-2168013.json", "lender": { "nmls_id": 399802, "name": "Bank of America", "slug": "bank-of-america-399802", "canonical_url": "https://lendb.ai/lender/bank-of-america-399802", "type": "bank" }, "branch": { "city": "Aiken", "state": "SC" }, "headshot_url": "https://images.em.bankofamerica.com/AMP/6DEBFC05-CF28-41A6-87E2-31E77741BABB.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "jumbo", "physician", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://mortgage.bankofamerica.com/marisol-fuentes", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Aiken, SC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/marisol-fuentes-2168013", "license_check": { "state": "SC", "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": "2026-10-19", "source_url": null } }, { "rank": 11, "score": 27.8, "loan_officer": { "nmls_id": 1097315, "slug": "leonardo-jaen-1097315", "full_name": "Lenny Jaen", "canonical_url": "https://lendb.ai/lo/leonardo-jaen-1097315", "json_url": "https://lendb.ai/lo/leonardo-jaen-1097315.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/aVMdQOl-vLq8vSWMDt-bLvzzsE-XUSHnUAysQWmn92yufgxGvkJozkFjpW_BEPfU0ZIwu0-200bYGDe6Qx_o8J6QthPJbOXCGqPtbQ", "licensed_states": [ "FL", "NC", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2013-10-03", "state": "FL" }, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/lenny-jaen-1097315", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 3, 2013 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/leonardo-jaen-1097315", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/lenny-jaen-1097315" } }, { "rank": 12, "score": 26, "loan_officer": { "nmls_id": 216609, "slug": "ana-campa-216609", "full_name": "Ana Campa", "licensed_names": [ { "name": "Ana Campa", "name_with_middle_initial": "Ana R. Campa", "first_name": "Ana", "middle_initial": "R", "last_name": "Campa", "states": [ "CA", "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/ana-campa-216609", "json_url": "https://lendb.ai/lo/ana-campa-216609.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Gainesville", "state": "GA" }, "headshot_url": null, "licensed_states": [ "FL", "TX", "AL", "CA", "GA", "NC", "SC", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "bank-statement", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "renovation", "reverse", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-06-18", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/ana-campa", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 18, 2018 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/ana-campa-216609", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.apmortgage.com/ana-campa" } }, { "rank": 13, "score": 25.3, "loan_officer": { "nmls_id": 892369, "slug": "tucker-jankosky-892369", "full_name": "Tucker Jankosky", "licensed_names": [ { "name": "Tucker Jankosky", "name_with_middle_initial": "Tucker G. Jankosky", "first_name": "Tucker", "middle_initial": "G", "last_name": "Jankosky", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/tucker-jankosky-892369", "json_url": "https://lendb.ai/lo/tucker-jankosky-892369.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "slug": "alcova-mortgage-40508", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Virginia Beach", "state": "VA" }, "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/Tucker_Jankosky.png", "licensed_states": [ "FL", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "1099-income", "bank-statement", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-11-17", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://alcova.com/loan-officer/tjankosky/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 17, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/tucker-jankosky-892369", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://alcova.com/loan-officer/tjankosky/" } }, { "rank": 14, "score": 25.3, "loan_officer": { "nmls_id": 1997670, "slug": "nicolas-rios-1997670", "full_name": "Nick Rios", "canonical_url": "https://lendb.ai/lo/nicolas-rios-1997670", "json_url": "https://lendb.ai/lo/nicolas-rios-1997670.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Wilmington", "state": "NC" }, "headshot_url": "https://thevault.ccm.com/asset/efffb223-ac11-4506-9008-1bb70abe2f07/Website/3933_Rios_1997670.jpg", "licensed_states": [ "NC", "PA", "SC" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "fha", "heloc", "investor", "jumbo", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-11-03", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-3933/nicolas-rios/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 3, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/nicolas-rios-1997670", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/wilmington-nc-3933/nicolas-rios/" } }, { "rank": 15, "score": 24.3, "loan_officer": { "nmls_id": 1285973, "slug": "carolina-apaza-pacheco-1285973", "full_name": "Carolina Apaza-Pacheco", "canonical_url": "https://lendb.ai/lo/carolina-apaza-pacheco-1285973", "json_url": "https://lendb.ai/lo/carolina-apaza-pacheco-1285973.json", "lender": { "nmls_id": 86548, "name": "First Heritage Mortgage", "slug": "first-heritage-mortgage-86548", "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/Carolina_Apaza_Pachecho_500.png", "licensed_states": [ "FL", "DC", "MD", "NC", "SC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "bank-statement", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "investor", "jumbo", "non-qm", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-06-04", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://fhmtg.com/officers/carolina-apaza-pacheco/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 4, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/carolina-apaza-pacheco-1285973", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://fhmtg.com/officers/carolina-apaza-pacheco/" } }, { "rank": 16, "score": 24.3, "loan_officer": { "nmls_id": 1434924, "slug": "katty-inga-1434924", "full_name": "Katty Inga", "licensed_names": [ { "name": "Katty Inga", "name_with_middle_initial": "Katty R. Inga", "first_name": "Katty", "middle_initial": "R", "last_name": "Inga", "states": [ "FL", "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/katty-inga-1434924", "json_url": "https://lendb.ai/lo/katty-inga-1434924.json", "lender": { "nmls_id": 86548, "name": "First Heritage Mortgage", "slug": "first-heritage-mortgage-86548", "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/Katty-Inga-e1721243978222.png", "licensed_states": [ "FL", "DC", "MD", "NC", "SC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "bank-statement", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "investor", "jumbo", "non-qm", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-11-24", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://fhmtg.com/officers/katty-inga/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 24, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/katty-inga-1434924", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://fhmtg.com/officers/katty-inga/" } }, { "rank": 17, "score": 24.3, "loan_officer": { "nmls_id": 2012727, "slug": "sean-shingler-2012727", "full_name": "Sean Shingler", "licensed_names": [ { "name": "Sean Shingler", "name_with_middle_initial": "Sean E. Shingler", "first_name": "Sean", "middle_initial": "E", "last_name": "Shingler", "states": [ "FL", "MD", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/sean-shingler-2012727", "json_url": "https://lendb.ai/lo/sean-shingler-2012727.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "slug": "alcova-mortgage-40508", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Chantilly", "state": "VA" }, "headshot_url": "https://alcova.com/wp-content/uploads/2024/09/sean-shingler.png", "licensed_states": [ "FL", "PA", "DC", "MD", "SC", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "1099-income", "bank-statement", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "reverse", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-04-26", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://alcova.com/loan-officer/sshingler/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 26, 2023 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sean-shingler-2012727", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://alcova.com/loan-officer/sshingler/" } }, { "rank": 18, "score": 23.8, "loan_officer": { "nmls_id": 2703330, "slug": "mariano-martinez-2703330", "full_name": "Mariano Martinez", "licensed_names": [ { "name": "Mariano Martinez", "name_with_middle_initial": "Mariano J. Martinez", "first_name": "Mariano", "middle_initial": "J", "last_name": "Martinez", "states": [ "FL", "MO" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "canonical_url": "https://lendb.ai/lo/mariano-martinez-2703330", "json_url": "https://lendb.ai/lo/mariano-martinez-2703330.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Winter Park", "state": "FL" }, "headshot_url": "https://thevault.ccm.com/asset/fd321da7-34c6-4470-93e8-fef48b941f11/Website/5299_Martinez_2703330.jpg", "licensed_states": [ "FL", "GA", "MO", "NC", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "jumbo", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-04-08", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/winter-park-fl-5331/mariano-martinez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 8, 2025 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/mariano-martinez-2703330", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/winter-park-fl-5331/mariano-martinez/" } }, { "rank": 19, "score": 23.3, "loan_officer": { "nmls_id": 2576476, "slug": "daniela-rhein-2576476", "full_name": "Daniela Rhein", "canonical_url": "https://lendb.ai/lo/daniela-rhein-2576476", "json_url": "https://lendb.ai/lo/daniela-rhein-2576476.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Evans", "state": "GA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/atdr-daniela-rhein.jpg", "licensed_states": [ "GA", "SC" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ga/evans/daniela-rhein-762-atdr.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/daniela-rhein-2576476", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ga/evans/daniela-rhein-762-atdr.html" } }, { "rank": 20, "score": 22.8, "loan_officer": { "nmls_id": 247682, "slug": "vinay-swali-247682", "full_name": "Vinay Swali", "canonical_url": "https://lendb.ai/lo/vinay-swali-247682", "json_url": "https://lendb.ai/lo/vinay-swali-247682.json", "lender": { "nmls_id": 1666674, "name": "ENSURE HOME LOANS LLC", "slug": "ensure-home-loans-llc-1666674", "canonical_url": "https://lendb.ai/lender/ensure-home-loans-llc-1666674", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": "https://bjrpqrnsxfdkicxrvani.supabase.co/storage/v1/object/public/officer-photos/onboard/1779485200248-vqzcfbxq4nk.jpg", "licensed_states": [ "CA", "DC", "FL", "HI", "MD", "NC", "NJ", "SC", "TX", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es", "hi" ], "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" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://ensurehomeloans.com/loan-officers/vinay-swali-2", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/vinay-swali-247682", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://ensurehomeloans.com/loan-officers/vinay-swali-2" } }, { "rank": 21, "score": 22.8, "loan_officer": { "nmls_id": 1623799, "slug": "pamela-weston-1623799", "full_name": "Pamela Weston", "canonical_url": "https://lendb.ai/lo/pamela-weston-1623799", "json_url": "https://lendb.ai/lo/pamela-weston-1623799.json", "lender": { "nmls_id": 4181, "name": "Top Flite Financial, Inc.", "slug": "top-flite-financial-inc-4181", "canonical_url": "https://lendb.ai/lender/top-flite-financial-inc-4181", "type": "imb" }, "branch": { "city": "Charlotte", "state": "NC" }, "headshot_url": "https://tfhomeloans.com/wp-content/uploads/2023/11/Pamela-Weston-300x300.png", "licensed_states": [ "NC", "SC" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://tfhomeloans.com/Loan-Officers/pweston/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/pamela-weston-1623799", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://tfhomeloans.com/Loan-Officers/pweston/" } }, { "rank": 22, "score": 22.5, "loan_officer": { "nmls_id": 2559700, "slug": "alyson-sanchez-montilla-2559700", "full_name": "Alyson Sanchez", "licensed_names": [ { "name": "Alyson Sanchez Montilla", "name_with_middle_initial": "Alyson E. Sanchez Montilla", "first_name": "Alyson", "middle_initial": "E", "last_name": "Sanchez Montilla", "states": [ "FL", "MA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/alyson-sanchez-montilla-2559700", "json_url": "https://lendb.ai/lo/alyson-sanchez-montilla-2559700.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": "Orlando", "state": "FL" }, "headshot_url": "https://lh3.googleusercontent.com/w5C02WSKPO0eGo8Gvx-wOZFBAEtuN5YXj2bB3nPUxC3EdEkA2YXkKJzC8NM9MMoaecVkxKd3t50VZg7eF_9MymxRD1-pYrVjr3SR3w", "licensed_states": [ "FL", "MA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2026-03-06", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/alyson-sanchez-2559700", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 6, 2026 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/alyson-sanchez-montilla-2559700", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/alyson-sanchez-2559700" } }, { "rank": 23, "score": 21.3, "loan_officer": { "nmls_id": 359424, "slug": "julio-samayoa-vega-359424", "full_name": "Julio Samayoa Vega", "licensed_names": [ { "name": "Julio Samayoa-Vega", "name_with_middle_initial": "Julio R. Samayoa-Vega", "first_name": "Julio", "middle_initial": "R", "last_name": "Samayoa-Vega", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-15" } ], "canonical_url": "https://lendb.ai/lo/julio-samayoa-vega-359424", "json_url": "https://lendb.ai/lo/julio-samayoa-vega-359424.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "slug": "loan-factory-320841", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "headshot_url": "https://lh3.googleusercontent.com/YwP8n3M9ruXWxzYt24H4krEtOYL0cRydxqGULh7RjUsGpLScN-zKSx94R8vvtri0AXfQRGAeyzg1ty0a3_57VC-E-i6vLAfQuvGk5g", "licensed_states": [ "CA", "SC" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es", "pt" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/julio-samayoa-vega-359424", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/julio-samayoa-vega-359424", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/julio-samayoa-vega-359424" } } ] }