{
  "canonical_url": "https://lendb.ai/s/construction/colorado",
  "summary": "As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Colorado whose lender pages show Construction loan work. The top-ranked are Jeffrey Aronheim (CrossCountry Mortgage, Greenwood Village), April Janas (CrossCountry Mortgage, Puyallup) and Brett Shaw (LeaderOne Financial, Colorado Springs). Ranking is lender-neutral: specialty evidence first, then a license in CO, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "construction",
  "state": "CO",
  "total": 25,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 235233,
        "slug": "jeffrey-aronheim-235233",
        "full_name": "Jeffrey Aronheim",
        "canonical_url": "https://lendb.ai/lo/jeffrey-aronheim-235233",
        "json_url": "https://lendb.ai/lo/jeffrey-aronheim-235233.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SD",
            "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"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 19,
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-3957/jeffrey-aronheim/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Greenwood Village, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100014336), verified 2026-10-09",
        "Licensed since 2007 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-aronheim-235233",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100014336), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=147259&contact=37114"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 299013,
        "slug": "april-janas-299013",
        "full_name": "April Janas",
        "canonical_url": "https://lendb.ai/lo/april-janas-299013",
        "json_url": "https://lendb.ai/lo/april-janas-299013.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Puyallup",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CO",
          "ID",
          "IL",
          "MT",
          "NV",
          "OR",
          "SC",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/puyallup-wa-4189/april-janas/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100544787), verified 2026-10-09",
        "Licensed since 2026 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/april-janas-299013",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100544787), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=352153&contact=587192"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 315592,
        "slug": "brett-shaw-315592",
        "full_name": "Brett Shaw",
        "canonical_url": "https://lendb.ai/lo/brett-shaw-315592",
        "json_url": "https://lendb.ai/lo/brett-shaw-315592.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "MO"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 19,
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/brett-shaw",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Colorado Springs, CO",
        "Licensed in CO: confirmed with the Colorado regulator (license 100018951), verified 2026-10-09",
        "Licensed since 2007 (per Colorado records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brett-shaw-315592",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100018951), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=145332&contact=211063"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 53.5,
      "loan_officer": {
        "nmls_id": 639483,
        "slug": "bruce-brinkerhoff-639483",
        "full_name": "Bruce Brinkerhoff",
        "canonical_url": "https://lendb.ai/lo/bruce-brinkerhoff-639483",
        "json_url": "https://lendb.ai/lo/bruce-brinkerhoff-639483.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "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": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-1611/bruce-brinkerhoff/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100515228), verified 2026-10-09",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/bruce-brinkerhoff-639483",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100515228), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=240232&contact=460126"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 562497,
        "slug": "danielle-pitzo-562497",
        "full_name": "Danielle Pitzo",
        "canonical_url": "https://lendb.ai/lo/danielle-pitzo-562497",
        "json_url": "https://lendb.ai/lo/danielle-pitzo-562497.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "LA",
          "MI",
          "MO",
          "OH",
          "OR",
          "PA",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "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/cleveland-oh-1611/danielle-pitzo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100526555), verified 2026-10-09",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/danielle-pitzo-562497",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100526555), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=281506&contact=504753"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 626688,
        "slug": "james-igbinovia-626688",
        "full_name": "James Igbinovia",
        "canonical_url": "https://lendb.ai/lo/james-igbinovia-626688",
        "json_url": "https://lendb.ai/lo/james-igbinovia-626688.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MN",
          "MO",
          "MT",
          "ND",
          "NE",
          "NM",
          "OH",
          "OK",
          "PA",
          "SC",
          "SD",
          "TN",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4631/james-igbinovia/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "CO 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/james-igbinovia-626688",
      "license_check": {
        "state": "CO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO 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/scottsdale-az-4631/james-igbinovia/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 239635,
        "slug": "ann-geske-239635",
        "full_name": "Ann Geske",
        "canonical_url": "https://lendb.ai/lo/ann-geske-239635",
        "json_url": "https://lendb.ai/lo/ann-geske-239635.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": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 35,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/ageske/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100542745), verified 2026-10-09",
        "Licensed since 2018 (per Florida records)",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ann-geske-239635",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100542745), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=343561&contact=577583"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 50,
      "loan_officer": {
        "nmls_id": 744052,
        "slug": "kellie-buchanan-744052",
        "full_name": "Kellie Buchanan",
        "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
        "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.json",
        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
          "type": "imb"
        },
        "branch": {
          "city": "Angel Fire",
          "state": "NM"
        },
        "licensed_states": [
          "FL",
          "CO",
          "NM",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "CO"
        },
        "years_experience": 34,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100514821), verified 2026-10-09",
        "Licensed since 2019 (per Colorado records)",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100514821), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=237132&contact=457085"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 224331,
        "slug": "jeri-shoop-224331",
        "full_name": "Jeri Shoop",
        "canonical_url": "https://lendb.ai/lo/jeri-shoop-224331",
        "json_url": "https://lendb.ai/lo/jeri-shoop-224331.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CO",
          "PA",
          "VA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 19,
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/jeri-shoop",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100017657), verified 2026-10-09",
        "Licensed since 2007 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeri-shoop-224331",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100017657), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146030&contact=139967"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1109027,
        "slug": "cindy-wallace-1109027",
        "full_name": "Cindy Wallace",
        "canonical_url": "https://lendb.ai/lo/cindy-wallace-1109027",
        "json_url": "https://lendb.ai/lo/cindy-wallace-1109027.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Loveland",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/loveland/cindy-wallace-1109027",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Loveland, CO",
        "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/cindy-wallace-1109027",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 11,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 409653,
        "slug": "andrew-riemenschneider-409653",
        "full_name": "Andy Riemenschneider",
        "canonical_url": "https://lendb.ai/lo/andrew-riemenschneider-409653",
        "json_url": "https://lendb.ai/lo/andrew-riemenschneider-409653.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Stillwater",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "IL",
          "MN",
          "ND",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/stillwater-mn-4287/andrew-riemenschneider/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-riemenschneider-409653",
      "license_check": {
        "state": "CO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO 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/stillwater-mn-4287/andrew-riemenschneider/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 12,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 639380,
        "slug": "ashlie-roe-639380",
        "full_name": "Ashlie Roe",
        "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380",
        "json_url": "https://lendb.ai/lo/ashlie-roe-639380.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Eden",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "ID",
          "MT",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/eden-ut-3606/ashlie-roe/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100511994), verified 2026-10-09",
        "Licensed since 2018 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100511994), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=219985&contact=439543"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 13,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 1572088,
        "slug": "derrick-cochran-1572088",
        "full_name": "Derrick Cochran",
        "canonical_url": "https://lendb.ai/lo/derrick-cochran-1572088",
        "json_url": "https://lendb.ai/lo/derrick-cochran-1572088.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Salt Lake City",
          "state": "UT"
        },
        "licensed_states": [
          "UT",
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/derrick-cochran/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100523583), verified 2026-10-09",
        "Licensed since 2021 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/derrick-cochran-1572088",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100523583), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=270637&contact=493322"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 14,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 450644,
        "slug": "kelly-hintz-450644",
        "full_name": "Kelly Hintz",
        "canonical_url": "https://lendb.ai/lo/kelly-hintz-450644",
        "json_url": "https://lendb.ai/lo/kelly-hintz-450644.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "MT",
          "NM",
          "NV",
          "OK",
          "OR",
          "TX",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-5227/kelly-hintz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100518918), verified 2026-10-09",
        "Licensed since 2020 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-hintz-450644",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100518918), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=253879&contact=475550"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 15,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 462475,
        "slug": "patrick-mccalley-462475",
        "full_name": "Patrick McCalley",
        "canonical_url": "https://lendb.ai/lo/patrick-mccalley-462475",
        "json_url": "https://lendb.ai/lo/patrick-mccalley-462475.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Avon",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/avon/patrick-mccalley-462475",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Avon, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-mccalley-462475",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 16,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 488977,
        "slug": "jason-kragel-488977",
        "full_name": "Jason Kragel",
        "canonical_url": "https://lendb.ai/lo/jason-kragel-488977",
        "json_url": "https://lendb.ai/lo/jason-kragel-488977.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Castle Rock",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/castle-rock/jason-kragel-488977",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Castle Rock, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-kragel-488977",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 17,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 531834,
        "slug": "dave-mcneil-531834",
        "full_name": "Dave McNeil",
        "canonical_url": "https://lendb.ai/lo/dave-mcneil-531834",
        "json_url": "https://lendb.ai/lo/dave-mcneil-531834.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Denver",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/denver/dave-mcneil-531834",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Denver, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/dave-mcneil-531834",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 18,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 778999,
        "slug": "david-cline-778999",
        "full_name": "David Cline",
        "canonical_url": "https://lendb.ai/lo/david-cline-778999",
        "json_url": "https://lendb.ai/lo/david-cline-778999.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Denver",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/denver/david-cline-778999",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Denver, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/david-cline-778999",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 19,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 850908,
        "slug": "becky-manley-850908",
        "full_name": "Becky Manley",
        "canonical_url": "https://lendb.ai/lo/becky-manley-850908",
        "json_url": "https://lendb.ai/lo/becky-manley-850908.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Lakewood",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/lakewood/becky-manley-850908",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Lakewood, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/becky-manley-850908",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 20,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 909070,
        "slug": "katherine-krasne-909070",
        "full_name": "Katherine Krasne",
        "canonical_url": "https://lendb.ai/lo/katherine-krasne-909070",
        "json_url": "https://lendb.ai/lo/katherine-krasne-909070.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Denver",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/denver/katherine-krasne-909070",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Denver, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/katherine-krasne-909070",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 21,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 1266506,
        "slug": "kelly-elson-1266506",
        "full_name": "Kelly Elson",
        "canonical_url": "https://lendb.ai/lo/kelly-elson-1266506",
        "json_url": "https://lendb.ai/lo/kelly-elson-1266506.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Canon City",
          "state": "CO"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/co/canon-city/kelly-elson-1266506",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Canon City, CO",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-elson-1266506",
      "license_check": {
        "state": "CO",
        "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": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 22,
      "score": 47,
      "loan_officer": {
        "nmls_id": 336103,
        "slug": "shirley-mueller-336103",
        "full_name": "Shirley Mueller",
        "canonical_url": "https://lendb.ai/lo/shirley-mueller-336103",
        "json_url": "https://lendb.ai/lo/shirley-mueller-336103.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "KS",
          "LA",
          "MD",
          "NC",
          "NJ",
          "OH",
          "OK",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "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": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/austin-tx-3299/shirley-mueller/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100517384), verified 2026-10-09",
        "Licensed since 2020 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/shirley-mueller-336103",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100517384), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=248751&contact=469188"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 23,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 174999,
        "slug": "jessica-uphoff-174999",
        "full_name": "Jess Uphoff",
        "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999",
        "json_url": "https://lendb.ai/lo/jessica-uphoff-174999.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718",
          "type": "imb"
        },
        "branch": {
          "city": "Westminster",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "IL",
          "MT",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homeownersfg.com/jessuphoff/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Westminster, CO",
        "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-uphoff-174999",
      "license_check": {
        "state": "CO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://homeownersfg.com/jessuphoff/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 24,
      "score": 46,
      "loan_officer": {
        "nmls_id": 880954,
        "slug": "amy-herber-880954",
        "full_name": "Amy Herber",
        "canonical_url": "https://lendb.ai/lo/amy-herber-880954",
        "json_url": "https://lendb.ai/lo/amy-herber-880954.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eagle",
          "state": "ID"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "CA",
          "GA",
          "ID",
          "MT",
          "NV",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/amy-herber",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100533672), verified 2026-10-09",
        "Licensed since 2022 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-herber-880954",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100533672), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=302418&contact=529305"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 25,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 289846,
        "slug": "michael-smalley-289846",
        "full_name": "Michael Smalley",
        "canonical_url": "https://lendb.ai/lo/michael-smalley-289846",
        "json_url": "https://lendb.ai/lo/michael-smalley-289846.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Winter Park",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "GA",
          "ID",
          "MO",
          "NC",
          "NJ",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/winter-park-fl-3645/michael-smalley/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in CO: confirmed with the Colorado regulator (license 100544805), verified 2026-10-09",
        "Licensed since 2024 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-smalley-289846",
      "license_check": {
        "state": "CO",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in CO: confirmed with the Colorado regulator (license 100544805), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=352202&contact=586287"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    }
  ]
}