{ "canonical_url": "https://lendb.ai/s/condo/vermont", "summary": "As of 2026-10-26, LenDb lists 3 loan officers licensed in or based in Vermont whose lender pages show Condo work. The top-ranked are Maggie Mikaitis (CrossCountry Mortgage, Chicago), Suzanne Bach (GuardHill Financial LLC) and Phillip Hegmann (SecurityNational Mortgage Company, Lihue). Ranking is lender-neutral: specialty evidence first, then a license in VT, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "condo", "state": "VT", "total": 3, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 53.5, "loan_officer": { "nmls_id": 1395394, "slug": "maggie-mikaitis-1395394", "full_name": "Maggie Mikaitis", "licensed_names": [ { "name": "Maggie Mikaitis", "name_with_middle_initial": "Maggie D. Mikaitis", "first_name": "Maggie", "middle_initial": "D", "last_name": "Mikaitis", "states": [ "AR", "CA", "CO", "FL", "IA", "LA", "MA", "MD", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394", "json_url": "https://lendb.ai/lo/maggie-mikaitis-1395394.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": "Chicago", "state": "IL" }, "headshot_url": "https://thevault.ccm.com/m/79aff3778a864d94/Website-3031_Mikaitis_1395394.jpg", "licensed_states": [ "FL", "CO", "LA", "PA", "TX", "AL", "AR", "AZ", "CA", "GA", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "RI", "SC", "TN", "VA", "VT", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "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": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "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": { "date": "2018-10-22", "state": "IA" }, "licensed_since": { "year": 2018, "state": "IA" }, "years_experience": 13, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-5072/maggie-mikaitis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo on lender page (lender page, verified 2026-10-21)", "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 22, 2018 (Iowa), per state regulator", "States 13 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394", "license_check": { "state": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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/chicago-il-5072/maggie-mikaitis/" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 48.8, "loan_officer": { "nmls_id": 71027, "slug": "suzanne-bach-71027", "full_name": "Suzanne Bach", "licensed_names": [ { "name": "Suzanne Bach", "name_with_middle_initial": "Suzanne L. Bach", "first_name": "Suzanne", "middle_initial": "L", "last_name": "Bach", "states": [ "CA", "MA", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/suzanne-bach-71027", "json_url": "https://lendb.ai/lo/suzanne-bach-71027.json", "lender": { "nmls_id": 1609, "name": "GuardHill Financial LLC", "slug": "guardhill-financial-llc-1609", "canonical_url": "https://lendb.ai/lender/guardhill-financial-llc-1609", "type": "other" }, "branch": { "city": null, "state": null }, "headshot_url": null, "licensed_states": [ "NY", "CA", "CT", "MA", "NJ", "PA", "VT" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VT", "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" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-02" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-12-24", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 25, "lender_profile_url": "https://guardhill.com/loan_officers/suzanne-bach/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo on lender page (lender page, verified 2026-10-26)", "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 24, 2010 (California), per state regulator", "States 25 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/suzanne-bach-71027", "license_check": { "state": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://guardhill.com/loan_officers/suzanne-bach/" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 42.8, "loan_officer": { "nmls_id": 602752, "slug": "phillip-hegmann-602752", "full_name": "Phillip Hegmann", "licensed_names": [ { "name": "Phil Hegmann", "name_with_middle_initial": null, "first_name": "Phil", "middle_initial": null, "last_name": "Hegmann", "states": [ "IL" ], "source": "state_regulator", "as_of": "2026-10-27" }, { "name": "Phillip Hegmann", "name_with_middle_initial": "Phillip G. Hegmann", "first_name": "Phillip", "middle_initial": "G", "last_name": "Hegmann", "states": [ "CA", "CO", "FL", "MO", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/phillip-hegmann-602752", "json_url": "https://lendb.ai/lo/phillip-hegmann-602752.json", "lender": { "nmls_id": 3116, "name": "SecurityNational Mortgage Company", "slug": "securitynational-mortgage-company-3116", "canonical_url": "https://lendb.ai/lender/securitynational-mortgage-company-3116", "type": "imb" }, "branch": { "city": "Lihue", "state": "HI" }, "headshot_url": "https://listings-manager-images.s3.us-east-1.amazonaws.com/mortgage.snmc.com/domain/Phil_reputation_Headshot__1749590992838.jpg", "licensed_states": [ "FL", "TX", "CO", "MO", "OR", "AK", "AZ", "CA", "GA", "HI", "ID", "IL", "IN", "NH", "NM", "NV", "UT", "VT", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en" ], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "condotel", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2015-10-01", "state": "OR" }, "licensed_since": { "year": 2015, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://mortgage.snmc.com/hi/lihue/phillip-hegmann-602752.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Condo on lender page (lender page, verified 2026-10-26)", "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 1, 2015 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/phillip-hegmann-602752", "license_check": { "state": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://mortgage.snmc.com/hi/lihue/phillip-hegmann-602752.html" }, "match_status": "exact", "matched_specialties": [ "condo" ], "unconfirmed_specialties": [], "match_level": "officer" } ] }