{ "canonical_url": "https://lendb.ai/s/construction/kentucky", "summary": "As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Kentucky whose lender pages show Construction loan work. The top-ranked are Scott Lacey (Guild Mortgage, Lincoln), Andy DiPuccio (CrossCountry Mortgage, Lakeside Park) and James Igbinovia (CrossCountry Mortgage, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "construction", "state": "KY", "total": 25, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 57.8, "loan_officer": { "nmls_id": 8154, "slug": "scott-lacey-8154", "full_name": "Scott Lacey", "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "json_url": "https://lendb.ai/lo/scott-lacey-8154.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lincoln", "state": "RI" }, "licensed_states": [ "FL", "PA", "AL", "CT", "DC", "DE", "GA", "IN", "KY", "MA", "MD", "ME", "MI", "MS", "NC", "NH", "NJ", "RI", "SC", "TN", "VA", "VT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 54.8, "loan_officer": { "nmls_id": 114117, "slug": "andy-dipuccio-114117", "full_name": "Andy DiPuccio", "canonical_url": "https://lendb.ai/lo/andy-dipuccio-114117", "json_url": "https://lendb.ai/lo/andy-dipuccio-114117.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lakeside Park", "state": "KY" }, "licensed_states": [ "IN", "KY", "OH" ], "licenses": [ { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "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": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/lakeside-park-ky-2907/andrew-dipuccio/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Lakeside Park, KY", "KY 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/andy-dipuccio-114117", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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/lakeside-park-ky-2907/andrew-dipuccio/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 3, "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)", "KY 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": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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": 4, "score": 51.8, "loan_officer": { "nmls_id": 681479, "slug": "dustin-swigart-681479", "full_name": "Dustin Swigart", "canonical_url": "https://lendb.ai/lo/dustin-swigart-681479", "json_url": "https://lendb.ai/lo/dustin-swigart-681479.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "AL", "KY", "MS", "NC", "OH" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4561/dustin-swigart/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dustin-swigart-681479", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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/tampa-fl-4561/dustin-swigart/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 51.8, "loan_officer": { "nmls_id": 1862550, "slug": "jordan-taylor-1862550", "full_name": "Jordan Taylor", "canonical_url": "https://lendb.ai/lo/jordan-taylor-1862550", "json_url": "https://lendb.ai/lo/jordan-taylor-1862550.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Fredericksburg", "state": "VA" }, "licensed_states": [ "FL", "DC", "IN", "KY", "MD", "MI", "MO", "NC", "OH", "PA", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.fairway.com/lo/jordan-taylor-1862550", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/jordan-taylor-1862550", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/jordan-taylor-1862550" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 51.3, "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)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2007 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/jeffrey-aronheim-235233", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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/greenwood-village-co-3957/jeffrey-aronheim/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 50.5, "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)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/bruce-brinkerhoff-639483", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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/cleveland-oh-1611/bruce-brinkerhoff/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 49.8, "loan_officer": { "nmls_id": 2006641, "slug": "jerry-turner-2006641", "full_name": "Jerry Turner", "canonical_url": "https://lendb.ai/lo/jerry-turner-2006641", "json_url": "https://lendb.ai/lo/jerry-turner-2006641.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Clarksville", "state": "TN" }, "licensed_states": [ "KY", "TN", "VA" ], "licenses": [ { "state": "KY", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/clarksville-tn-2828/gerald-turner/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; 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Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/jeremiah-johnson-1861362", "license_check": { "state": "KY", "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": 14, "score": 47.8, "loan_officer": { "nmls_id": 2456923, "slug": "crystie-keene-2456923", "full_name": "Crystie Keene", "canonical_url": "https://lendb.ai/lo/crystie-keene-2456923", "json_url": "https://lendb.ai/lo/crystie-keene-2456923.json", "lender": { "nmls_id": 130562, "name": "Success Mortgage Partners", "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562", "type": "imb" }, "branch": { "city": "Lafayette", "state": "TN" }, "licensed_states": [ "KY", "TN" ], "licenses": [ { "state": "KY", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.successmortgagepartners.com/advisor/crystie-keene/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/crystie-keene-2456923", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.successmortgagepartners.com/advisor/crystie-keene/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 46.8, "loan_officer": { "nmls_id": 124792, "slug": "adam-garman-124792", "full_name": "Adam Garman", "canonical_url": "https://lendb.ai/lo/adam-garman-124792", "json_url": "https://lendb.ai/lo/adam-garman-124792.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://www.ruoff.com/AdamGarman", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; 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