{
  "canonical_url": "https://lendb.ai/s/condo-non-warrantable/florida",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Florida whose lender pages show Non-warrantable condo work. The top-ranked are Christopher Gibson (C2 Financial Corporation) and Andrew Durden (Loan Factory, Vero Beach). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "condo-non-warrantable",
  "state": "FL",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 1910430,
        "slug": "christopher-gibson-1910430",
        "full_name": "Christopher Gibson",
        "canonical_url": "https://lendb.ai/lo/christopher-gibson-1910430",
        "json_url": "https://lendb.ai/lo/christopher-gibson-1910430.json",
        "lender": {
          "nmls_id": 135622,
          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "CO",
          "WA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo-non-warrantable",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "CO"
        },
        "years_experience": 15,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/cgibson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-warrantable condo on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO128360), verified 2026-10-09",
        "Licensed since 2019 (per Colorado records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-gibson-1910430",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO128360), 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": [
        "condo-non-warrantable"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 2774438,
        "slug": "andrew-durden-2774438",
        "full_name": "Andrew Durden",
        "canonical_url": "https://lendb.ai/lo/andrew-durden-2774438",
        "json_url": "https://lendb.ai/lo/andrew-durden-2774438.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Vero Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "mixed-use",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo-non-warrantable",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/andrew-durden-2774438",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-warrantable condo on lender page (lender page, verified 2026-10-09)",
        "Office in Vero Beach, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO149802), verified 2026-10-09",
        "Licensed since 2026 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-durden-2774438",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO149802), 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": [
        "condo-non-warrantable"
      ],
      "unconfirmed_specialties": []
    }
  ]
}