{ "canonical_url": "https://lendb.ai/lang/es/virginia", "summary": "As of 2026-10-26, LenDb lists 72 loan officers licensed in or based in Virginia whose lender pages say they speak Spanish. The top-ranked are Gina Myers (CrossCountry Mortgage, Fairfax), Diana Elisabeth Lemus (Loan Factory) and Juan Martillo (Southern Trust Mortgage, Virginia Beach). Ranking is lender-neutral: a license in VA, 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": "VA", "total": 72, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43.3, "loan_officer": { "nmls_id": 898712, "slug": "gina-myers-898712", "full_name": "Gina Myers", "canonical_url": "https://lendb.ai/lo/gina-myers-898712", "json_url": "https://lendb.ai/lo/gina-myers-898712.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": "Fairfax", "state": "VA" }, "headshot_url": "https://thevault.ccm.com/asset/73d9fd0e-1b67-422f-a9fc-7f29c681c447/Website/2618_Myers_898712-jpg.jpg", "licensed_states": [ "DC", "DE", "MD", "NC", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "heloc", "investor", "jumbo", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-2618/gina-myers/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Fairfax, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gina-myers-898712", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/fairfax-va-2618/gina-myers/" } }, { "rank": 2, "score": 43, "loan_officer": { "nmls_id": 2728321, "slug": "diana-elisabeth-lemus-2728321", "full_name": "Diana Elisabeth Lemus", "canonical_url": "https://lendb.ai/lo/diana-elisabeth-lemus-2728321", "json_url": "https://lendb.ai/lo/diana-elisabeth-lemus-2728321.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": "VA" }, "headshot_url": "https://lh3.googleusercontent.com/FPmROtaWBRbJwh81O-NGLSnAXP5Pla9p9Ku2cytF8dlv6SUcS80EYkv5PvCvLq5V16ZVVEG_v26HsPbEzNNyhcz9K5idxqIzL7o", "licensed_states": [ "VA" ], "licenses": [ { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/diana-elisabeth-lemus-2728321", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-09)", "Office in Virginia", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/diana-elisabeth-lemus-2728321", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/diana-elisabeth-lemus-2728321" } }, { "rank": 3, "score": 39.3, "loan_officer": { "nmls_id": 2779258, "slug": "juan-martillo-2779258", "full_name": "Juan Martillo", "canonical_url": "https://lendb.ai/lo/juan-martillo-2779258", "json_url": "https://lendb.ai/lo/juan-martillo-2779258.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "slug": "southern-trust-mortgage-2921", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Virginia Beach", "state": "VA" }, "headshot_url": null, "licensed_states": [ "NC", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "construction", "down-payment-assistance", "fha", "first-time-buyer", "investor", "jumbo", "new-construction", "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": null, "licensed_since": null, "years_experience": 13, "lender_profile_url": "https://www.southerntrust.com/juan-martillo/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Virginia Beach, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 13 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/juan-martillo-2779258", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.southerntrust.com/juan-martillo/" } }, { "rank": 4, "score": 39, "loan_officer": { "nmls_id": 1587532, "slug": "gustavo-gus-suarez-1587532", "full_name": "Gustavo \"Gus\" Suarez", "canonical_url": "https://lendb.ai/lo/gustavo-gus-suarez-1587532", "json_url": "https://lendb.ai/lo/gustavo-gus-suarez-1587532.json", "lender": { "nmls_id": 1124970, "name": "Buckingham Mortgage LLC", "slug": "buckingham-mortgage-llc-1124970", "canonical_url": "https://lendb.ai/lender/buckingham-mortgage-llc-1124970", "type": "other" }, "branch": { "city": null, "state": "VA" }, "headshot_url": null, "licensed_states": [ "DC", "MD", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://www.bfgusa.com/team-member/gustavo-suarez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Virginia", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 15 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/gustavo-gus-suarez-1587532", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.bfgusa.com/team-member/gustavo-suarez/" } }, { "rank": 5, "score": 37.8, "loan_officer": { "nmls_id": 891269, "slug": "rose-columba-891269", "full_name": "Rose Columba", "canonical_url": "https://lendb.ai/lo/rose-columba-891269", "json_url": "https://lendb.ai/lo/rose-columba-891269.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": "Vienna", "state": "VA" }, "headshot_url": null, "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": 17, "lender_profile_url": "https://mortgage.bankofamerica.com/rose-columba", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Vienna, VA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 17 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/rose-columba-891269", "license_check": { "state": "VA", "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": 6, "score": 37, "loan_officer": { "nmls_id": 2138070, "slug": "ernesto-lamas-2138070", "full_name": "Ernesto Lamas", "canonical_url": "https://lendb.ai/lo/ernesto-lamas-2138070", "json_url": "https://lendb.ai/lo/ernesto-lamas-2138070.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": "Culpeper", "state": "VA" }, "headshot_url": null, "licensed_states": [ "VA" ], "licenses": [ { "state": "VA", "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": 10, "lender_profile_url": "https://ihmcloans.com/ernie-lamas/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Culpeper, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/ernesto-lamas-2138070", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/ernie-lamas/" } }, { "rank": 7, "score": 36.5, "loan_officer": { "nmls_id": 1021326, "slug": "aaron-parks-1021326", "full_name": "Chris Parks", "canonical_url": "https://lendb.ai/lo/aaron-parks-1021326", "json_url": "https://lendb.ai/lo/aaron-parks-1021326.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": "Glen Allen", "state": "VA" }, "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/chris-parks-headshot.png", "licensed_states": [ "FL", "AL", "IN", "MD", "TN", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "asset-based", "bank-statement", "condo-non-warrantable", "condotel", "construction", "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", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-08-24", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chris-parks", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Glen Allen, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 24, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/aaron-parks-1021326", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/chris-parks" } }, { "rank": 8, "score": 36, "loan_officer": { "nmls_id": 1048370, "slug": "veronica-amato-1048370", "full_name": "Veronica Amato", "canonical_url": "https://lendb.ai/lo/veronica-amato-1048370", "json_url": "https://lendb.ai/lo/veronica-amato-1048370.json", "lender": { "nmls_id": 414464, "name": "Farmers & Merchants Bank (VA)", "slug": "farmers-merchants-bank-414464", "canonical_url": "https://lendb.ai/lender/farmers-merchants-bank-414464", "type": "bank" }, "branch": { "city": "Harrisonburg", "state": "VA" }, "headshot_url": "https://www.fmbankva.com/assets/files/GBQGw22x/VeronicaAmato.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "en", "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 11, "lender_profile_url": "https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-17)", "Office in Harrisonburg, VA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 11 years of experience (lender page, 2026-10-17)" ], "canonical_url": "https://lendb.ai/lo/veronica-amato-1048370", "license_check": { "state": "VA", "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": "2026-10-17", "source_url": null } }, { "rank": 9, "score": 35.8, "loan_officer": { "nmls_id": 1436145, "slug": "angela-garcia-1436145", "full_name": "Angie Garcia", "licensed_names": [ { "name": "Angela Garcia", "name_with_middle_initial": null, "first_name": "Angela", "middle_initial": null, "last_name": "Garcia", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/angela-garcia-1436145", "json_url": "https://lendb.ai/lo/angela-garcia-1436145.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": "Reston", "state": "VA" }, "headshot_url": "https://thevault.ccm.com/m/1581c7a567d34132/Website-3246_Garcia_1436145.jpg", "licensed_states": [ "FL", "DC", "MD", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "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", "fha", "heloc", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-09-16", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 5, "lender_profile_url": "https://crosscountrymortgage.com/reston-va-3246/angelica-garcia/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-21)", "Office in Reston, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 16, 2021 (Florida), per state regulator", "States 5 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/angela-garcia-1436145", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/reston-va-3246/angelica-garcia/" } }, { "rank": 10, "score": 35.5, "loan_officer": { "nmls_id": 588151, "slug": "diana-samayoa-588151", "full_name": "Diana Samayoa", "canonical_url": "https://lendb.ai/lo/diana-samayoa-588151", "json_url": "https://lendb.ai/lo/diana-samayoa-588151.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": "Vienna", "state": "VA" }, "headshot_url": "http://a.mktgcdn.com/p/hx_Cj7Zofizey7m2wNzf-sMGxtPnGeDglYLtosb5ABs/200x300.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "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": 9, "lender_profile_url": "https://homelendingadvisor.chase.com/va/vienna/315-maple-ave-e-hla-588151", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Vienna, VA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 9 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/diana-samayoa-588151", "license_check": { "state": "VA", "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": 11, "score": 35.5, "loan_officer": { "nmls_id": 1502371, "slug": "francisco-gomez-rodriguez-1502371", "full_name": "Francisco Gomez", "licensed_names": [ { "name": "Francisco Gomez Rodriguez", "name_with_middle_initial": null, "first_name": "Francisco", "middle_initial": null, "last_name": "Gomez Rodriguez", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/francisco-gomez-rodriguez-1502371", "json_url": "https://lendb.ai/lo/francisco-gomez-rodriguez-1502371.json", "lender": { "nmls_id": 1124970, "name": "Buckingham Mortgage LLC", "slug": "buckingham-mortgage-llc-1124970", "canonical_url": "https://lendb.ai/lender/buckingham-mortgage-llc-1124970", "type": "other" }, "branch": { "city": null, "state": "VA" }, "headshot_url": null, "licensed_states": [ "FL", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2024-02-16", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 8, "lender_profile_url": "https://www.bfgusa.com/team-member/francisco-gomez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Virginia", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 16, 2024 (Florida), per state regulator", "States 8 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/francisco-gomez-rodriguez-1502371", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.bfgusa.com/team-member/francisco-gomez/" } }, { "rank": 12, "score": 35.3, "loan_officer": { "nmls_id": 892369, "slug": "tucker-jankosky-892369", "full_name": "Tucker Jankosky", "licensed_names": [ { "name": "Tucker Jankosky", "name_with_middle_initial": "Tucker G. 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Federally registered MLOs aren't state-licensed; verify at NMLS", "States 8 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/juan-rosas-761257", "license_check": { "state": "VA", "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": "2026-10-21", "source_url": null } }, { "rank": 15, "score": 34.3, "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)", "Office in Chantilly, VA", "VA 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": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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": 16, "score": 34, "loan_officer": { "nmls_id": 314050, "slug": "francoise-gonzales-314050", "full_name": "Francoise Gonzales", "licensed_names": [ { "name": "Francoise Gonzales", "name_with_middle_initial": "Francoise B. Gonzales", "first_name": "Francoise", "middle_initial": "B", "last_name": "Gonzales", "states": [ "FL", "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050", "json_url": "https://lendb.ai/lo/francoise-gonzales-314050.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": "Columbia", "state": "MD" }, "headshot_url": "https://thevault.ccm.com/asset/e8313c96-ba21-4392-ac66-5353c4c197a9/Website/2724_Gonzales_314050.jpg", "licensed_states": [ "FL", "DC", "MD", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "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": { "date": "2025-03-06", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-2724/francoise-gonzales/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 6, 2025 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/francoise-gonzales-314050", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/columbia-md-2724/francoise-gonzales/" } }, { "rank": 17, "score": 34, "loan_officer": { "nmls_id": 1937095, "slug": "yaroslav-hnatenko-1937095", "full_name": "Yaro Hnatenko", "licensed_names": [ { "name": "Yaroslav Hnatenko", "name_with_middle_initial": null, "first_name": "Yaroslav", "middle_initial": null, "last_name": "Hnatenko", "states": [ "FL", "MD", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/yaroslav-hnatenko-1937095", "json_url": "https://lendb.ai/lo/yaroslav-hnatenko-1937095.json", "lender": { "nmls_id": 1124970, "name": "Buckingham Mortgage LLC", "slug": "buckingham-mortgage-llc-1124970", "canonical_url": "https://lendb.ai/lender/buckingham-mortgage-llc-1124970", "type": "other" }, "branch": { "city": null, "state": "VA" }, "headshot_url": null, "licensed_states": [ "FL", "TX", "MD", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es", "ru", "uk" ], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2022-02-25", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.bfgusa.com/team-member/yaro-hnatenko/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-15)", "Office in Virginia", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 25, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/yaroslav-hnatenko-1937095", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.bfgusa.com/team-member/yaro-hnatenko/" } }, { "rank": 18, "score": 33.8, "loan_officer": { "nmls_id": 2284300, "slug": "olivia-flores-2284300", "full_name": "Olivia Flores", "licensed_names": [ { "name": "Olivia Flores", "name_with_middle_initial": "Olivia S. 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