{ "canonical_url": "https://lendb.ai/s/co-op/florida", "summary": "As of 2026-10-09, LenDb lists 28 loan officers licensed in or based in Florida whose lender pages show Co-op work. The top-ranked are Susan Lake (CrossCountry Mortgage, Denville), Pat Lavell (CrossCountry Mortgage, Pittsford) and John Astrologo (CrossCountry Mortgage, White Plains). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "co-op", "state": "FL", "total": 28, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 61474, "slug": "susan-lake-61474", "full_name": "Susan Lake", "canonical_url": "https://lendb.ai/lo/susan-lake-61474", "json_url": "https://lendb.ai/lo/susan-lake-61474.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Denville", "state": "NJ" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 24, "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/susan-lake/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO114533), verified 2026-10-09", "Licensed since 2022 (per Florida records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/susan-lake-61474", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO114533), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 179233, "slug": "patrick-lavell-179233", "full_name": "Pat Lavell", "canonical_url": "https://lendb.ai/lo/patrick-lavell-179233", "json_url": "https://lendb.ai/lo/patrick-lavell-179233.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Pittsford", "state": "NY" }, "licensed_states": [ "FL", "GA", "NC", "NJ", "NY", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/pittsford-ny-5652/patrick-lavell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO6707), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/patrick-lavell-179233", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO6707), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 60, "loan_officer": { "nmls_id": 441861, "slug": "john-astrologo-441861", "full_name": "John Astrologo", "canonical_url": "https://lendb.ai/lo/john-astrologo-441861", "json_url": "https://lendb.ai/lo/john-astrologo-441861.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Plains", "state": "NY" }, "licensed_states": [ "FL", "CT", "IN", "MA", "MN", "NC", "NJ", "NY", "PA", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 16, "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO104606), verified 2026-10-09", "Licensed since 2022 (per Florida records)", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-astrologo-441861", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO104606), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 55.8, "loan_officer": { "nmls_id": 63768, "slug": "christopher-albanese-63768", "full_name": "Christopher Albanese", "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768", "json_url": "https://lendb.ai/lo/christopher-albanese-63768.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Durango", "state": "CO" }, "licensed_states": [ "FL", "CA", "CO", "CT", "IL", "MA", "NJ", "NY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO74947), verified 2026-10-09", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO74947), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 55.3, "loan_officer": { "nmls_id": 434314, "slug": "dawn-houser-434314", "full_name": "Dawn Houser", "canonical_url": "https://lendb.ai/lo/dawn-houser-434314", "json_url": "https://lendb.ai/lo/dawn-houser-434314.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fort Myers", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/fort-myers-fl-8272/dawn-houser/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Fort Myers, FL", "Licensed in FL: confirmed with the Florida regulator (license LO9133), verified 2026-10-09", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/dawn-houser-434314", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO9133), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 55.3, "loan_officer": { "nmls_id": 1722436, "slug": "nicholas-scalici-1722436", "full_name": "Nicholas Scalici", "canonical_url": "https://lendb.ai/lo/nicholas-scalici-1722436", "json_url": "https://lendb.ai/lo/nicholas-scalici-1722436.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Staten Island", "state": "NY" }, "licensed_states": [ "FL", "NJ", "NY" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/staten-island-ny-5329/nicholas-scalici/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO88760), verified 2026-10-09", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/nicholas-scalici-1722436", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO88760), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 53.8, "loan_officer": { "nmls_id": 219774, "slug": "beth-lewis-219774", "full_name": "Beth Lewis", "canonical_url": "https://lendb.ai/lo/beth-lewis-219774", "json_url": "https://lendb.ai/lo/beth-lewis-219774.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Evanston", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "CT", "DC", "GA", "IL", "IN", "MA", "MD", "MI", "MN", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "CO" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/evanston-il-3035/beth-lewis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO66937), verified 2026-10-09", "Licensed since 2010 (per Colorado records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/beth-lewis-219774", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO66937), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 53.8, "loan_officer": { "nmls_id": 404510, "slug": "barry-koven-404510", "full_name": "Barry Koven", "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "json_url": "https://lendb.ai/lo/barry-koven-404510.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Brooklyn", "state": "NY" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA", "RI" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO62575), verified 2026-10-09", "Licensed since 2019 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO62575), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 52.3, "loan_officer": { "nmls_id": 53715, "slug": "michael-tietz-53715", "full_name": "Michael Tietz", "canonical_url": "https://lendb.ai/lo/michael-tietz-53715", "json_url": "https://lendb.ai/lo/michael-tietz-53715.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "de" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/4111-governor-dr-hla-53715", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/michael-tietz-53715", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 52, "loan_officer": { "nmls_id": 16032, "slug": "peter-ventriglia-16032", "full_name": "Peter Ventriglia", "canonical_url": "https://lendb.ai/lo/peter-ventriglia-16032", "json_url": "https://lendb.ai/lo/peter-ventriglia-16032.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Old Greenwich", "state": "CT" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ct/old-greenwich/260-sound-beach-ave-hla-16032", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/peter-ventriglia-16032", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 51.8, "loan_officer": { "nmls_id": 1037350, "slug": "christopher-brown-1037350", "full_name": "Christopher Brown", "canonical_url": "https://lendb.ai/lo/christopher-brown-1037350", "json_url": "https://lendb.ai/lo/christopher-brown-1037350.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1037350", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2018 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/christopher-brown-1037350", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 51.5, "loan_officer": { "nmls_id": 1710509, "slug": "elaine-tompkins-1710509", "full_name": "Elaine Tompkins", "canonical_url": "https://lendb.ai/lo/elaine-tompkins-1710509", "json_url": "https://lendb.ai/lo/elaine-tompkins-1710509.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Tempe", "state": "AZ" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-university-dr-hla-1710509", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2018 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/elaine-tompkins-1710509", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 50.8, "loan_officer": { "nmls_id": 136210, "slug": "ronald-gruenberg-136210", "full_name": "Ron Gruenberg", "canonical_url": "https://lendb.ai/lo/ronald-gruenberg-136210", "json_url": "https://lendb.ai/lo/ronald-gruenberg-136210.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Boca Raton", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": 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"lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/fl/miami/3700-w-flagler-st-hla-1585532", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Miami, FL", "Licensed in FL: confirmed with the Florida regulator (license LO75499), verified 2026-10-09", "Licensed since 2020 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/marla-i-oiz-1585532", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO75499), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": 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"self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/fl/boca-raton/5950-glades-road-hla-2315456", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Boca Raton, FL", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/marianna-gabriel-2315456", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 50.5, "loan_officer": { "nmls_id": 235902, "slug": "shane-smith-235902", "full_name": "Shane Smith", "canonical_url": "https://lendb.ai/lo/shane-smith-235902", "json_url": "https://lendb.ai/lo/shane-smith-235902.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "FL", "CO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ca/san-diego/101-w-broadway-ste-100-hla-235902", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO23092), verified 2026-10-09", "Licensed since 2014 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/shane-smith-235902", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO23092), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 50.5, "loan_officer": { "nmls_id": 497351, "slug": "charles-klass-497351", "full_name": "Charles Klass", "canonical_url": "https://lendb.ai/lo/charles-klass-497351", "json_url": "https://lendb.ai/lo/charles-klass-497351.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Estero", "state": "FL" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/fl/estero/21331-s-tamiami-trl-hla-497351", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Estero, FL", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/charles-klass-497351", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 50.3, "loan_officer": { "nmls_id": 305676, "slug": "rolando-e-morales-305676", "full_name": "Rolando E Morales", "canonical_url": "https://lendb.ai/lo/rolando-e-morales-305676", "json_url": "https://lendb.ai/lo/rolando-e-morales-305676.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Coral Gables", "state": "FL" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/fl/coral-gables/355-alhambra-cir-hla-305676", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Coral Gables, FL", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/rolando-e-morales-305676", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 50.3, "loan_officer": { "nmls_id": 727328, "slug": "john-gnisci-727328", "full_name": "John Gnisci", "canonical_url": "https://lendb.ai/lo/john-gnisci-727328", "json_url": "https://lendb.ai/lo/john-gnisci-727328.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sarasota", "state": "FL" }, "licensed_states": [ "FL", "CT", "MD", "ME", "NJ", "NY", "PA", "VA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4194/john-gnisci/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Office in Sarasota, FL", "Licensed in FL: confirmed with the Florida regulator (license LO94668), verified 2026-10-09", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/john-gnisci-727328", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO94668), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 50, "loan_officer": { "nmls_id": 1421167, "slug": "dane-glumac-1421167", "full_name": "Dan Glumac", "canonical_url": "https://lendb.ai/lo/dane-glumac-1421167", "json_url": "https://lendb.ai/lo/dane-glumac-1421167.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/il/chicago/549-n-mcclurg-ct-hla-1421167", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/dane-glumac-1421167", "license_check": { "state": "FL", "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", "source_url": null }, "match_status": "exact", "matched_specialties": [ "co-op" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 50, "loan_officer": { "nmls_id": 1709560, "slug": "andrew-brickner-1709560", "full_name": "Andrew K Brickner", "canonical_url": "https://lendb.ai/lo/andrew-brickner-1709560", "json_url": "https://lendb.ai/lo/andrew-brickner-1709560.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Findlay", "state": "OH" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/oh/findlay/500-s-main-st-hla-1709560", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Co-op on lender page (lender page, verified 2026-10-09)", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/andrew-brickner-1709560", "license_check": { "state": "FL", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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