{
  "canonical_url": "https://lendb.ai/s/co-op/ohio",
  "summary": "As of 2026-10-09, LenDb lists 39 loan officers licensed in or based in Ohio whose lender pages show Co-op work. The top-ranked are Andrew K Brickner (JPMorgan Chase Bank (Chase Home Lending), Findlay), Matthew Paternoster (JPMorgan Chase Bank (Chase Home Lending), Columbus) and Jason L Wilson (JPMorgan Chase Bank (Chase Home Lending), Columbus). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "co-op",
  "state": "OH",
  "total": 39,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53,
      "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)",
        "Office in Findlay, OH",
        "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": "OH",
        "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": 2,
      "score": 53,
      "loan_officer": {
        "nmls_id": 1844364,
        "slug": "matthew-paternoster-1844364",
        "full_name": "Matthew Paternoster",
        "canonical_url": "https://lendb.ai/lo/matthew-paternoster-1844364",
        "json_url": "https://lendb.ai/lo/matthew-paternoster-1844364.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "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": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 5,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1844364",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-paternoster-1844364",
      "license_check": {
        "state": "OH",
        "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": 3,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 497891,
        "slug": "jason-l-wilson-497891",
        "full_name": "Jason L Wilson",
        "canonical_url": "https://lendb.ai/lo/jason-l-wilson-497891",
        "json_url": "https://lendb.ai/lo/jason-l-wilson-497891.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "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": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-497891",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-l-wilson-497891",
      "license_check": {
        "state": "OH",
        "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": 4,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 2369100,
        "slug": "tyler-warner-2369100",
        "full_name": "Tyler Warner",
        "canonical_url": "https://lendb.ai/lo/tyler-warner-2369100",
        "json_url": "https://lendb.ai/lo/tyler-warner-2369100.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "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": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2369100",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Licensed since 2022 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-warner-2369100",
      "license_check": {
        "state": "OH",
        "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": 5,
      "score": 50.8,
      "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)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "OH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OH 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/evanston-il-3035/beth-lewis/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "co-op"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2063004,
        "slug": "luis-f-soto-santiago-2063004",
        "full_name": "Luis F Soto Santiago",
        "canonical_url": "https://lendb.ai/lo/luis-f-soto-santiago-2063004",
        "json_url": "https://lendb.ai/lo/luis-f-soto-santiago-2063004.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "es"
        ],
        "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-2063004",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/luis-f-soto-santiago-2063004",
      "license_check": {
        "state": "OH",
        "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": 7,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 13595,
        "slug": "robbin-wilhelm-mesmer-13595",
        "full_name": "Robbin Wilhelm Mesmer",
        "canonical_url": "https://lendb.ai/lo/robbin-wilhelm-mesmer-13595",
        "json_url": "https://lendb.ai/lo/robbin-wilhelm-mesmer-13595.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "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": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-13595",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/robbin-wilhelm-mesmer-13595",
      "license_check": {
        "state": "OH",
        "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": 8,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 1413440,
        "slug": "kyle-costin-1413440",
        "full_name": "Kyle Costin",
        "canonical_url": "https://lendb.ai/lo/kyle-costin-1413440",
        "json_url": "https://lendb.ai/lo/kyle-costin-1413440.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "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": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-1413440",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/kyle-costin-1413440",
      "license_check": {
        "state": "OH",
        "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": 9,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 1863478,
        "slug": "ben-isaac-1863478",
        "full_name": "Ben Isaac",
        "canonical_url": "https://lendb.ai/lo/ben-isaac-1863478",
        "json_url": "https://lendb.ai/lo/ben-isaac-1863478.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
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          },
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        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "Office in Columbus, OH",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
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        "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"
      ],
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      "score": 49.8,
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        "slug": "jonathan-king-2244751",
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
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        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
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          {
            "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"
          },
          {
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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        "licensed_since": null,
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        "disciplinary_check": "not_checked"
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-king-2244751",
      "license_check": {
        "state": "OH",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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      "rank": 20,
      "score": 49,
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        "slug": "grant-hall-2120142",
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        "json_url": "https://lendb.ai/lo/grant-hall-2120142.json",
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          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
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        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [],
        "licenses": [],
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            "slug": "co-op",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "IN",
          "KS",
          "MD",
          "ME",
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          "NV",
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          "RI",
          "VA"
        ],
        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
          },
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            "state": "ME",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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            "evidence": "lender_page_text"
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            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/peter-lucia/",
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      },
      "reasons": [
        "Lists Co-op on lender page (lender page, verified 2026-10-09)",
        "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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        "confidence": "lender_reported",
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      "score": 43,
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        "slug": "derek-eggers-1844344",
        "full_name": "Derek Eggers",
        "canonical_url": "https://lendb.ai/lo/derek-eggers-1844344",
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        "licenses": [
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            "confidence": "confirmed"
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        ],
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
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      ],
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      "license_check": {
        "state": "OH",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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      "score": 42.5,
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        "licenses": [],
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            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "confidence": "federal_registration",
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        "slug": "todd-tuttle-406450",
        "full_name": "Todd Tuttle",
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            "evidence": "lender_page_text"
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      "score": 42.5,
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        "full_name": "Andy S Karlo",
        "canonical_url": "https://lendb.ai/lo/andy-s-karlo-495346",
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        "licenses": [],
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            "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"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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}