{
  "canonical_url": "https://lendb.ai/s/asset-based/minnesota",
  "summary": "As of 2026-10-10, LenDb lists 2 loan officers licensed in or based in Minnesota whose lender pages show Asset-based qualifying work. The top-ranked are Olivia Cox Paulson (Guild Mortgage, Portland) and Tim Szumigala (Lower, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "asset-based",
  "state": "MN",
  "total": 2,
  "last_verified": "2026-10-10",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 209281,
        "slug": "olivia-cox-paulson-209281",
        "full_name": "Olivia Cox Paulson",
        "canonical_url": "https://lendb.ai/lo/olivia-cox-paulson-209281",
        "json_url": "https://lendb.ai/lo/olivia-cox-paulson-209281.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "licensed_states": [
          "AL",
          "CA",
          "MN",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/or/portland/olivia-paulson-235-wgop.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "MN 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/olivia-cox-paulson-209281",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/or/portland/olivia-paulson-235-wgop.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "asset-based"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 344571,
        "slug": "timothy-szumigala-344571",
        "full_name": "Tim Szumigala",
        "canonical_url": "https://lendb.ai/lo/timothy-szumigala-344571",
        "json_url": "https://lendb.ai/lo/timothy-szumigala-344571.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "ID",
          "MI",
          "MN",
          "TN",
          "VA",
          "WY"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-02-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.lower.com/loan-officers/florida/tampa/tim-szumigala",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-10)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 19, 2014 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/timothy-szumigala-344571",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/florida/tampa/tim-szumigala"
      },
      "match_status": "exact",
      "matched_specialties": [
        "asset-based"
      ],
      "unconfirmed_specialties": []
    }
  ]
}