{ "canonical_url": "https://lendb.ai/s/construction/minnesota", "summary": "As of 2026-10-09, LenDb lists 29 loan officers licensed in or based in Minnesota whose lender pages show Construction loan work. The top-ranked are Cameron Gemoets (CrossCountry Mortgage, Cleveland), Darrin Shemon (Homeowners Financial Group, Waite Park) and Gail Vinje (CrossCountry Mortgage, Bloomington). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "construction", "state": "MN", "total": 29, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "loan_officer": { "nmls_id": 2701842, "slug": "cameron-gemoets-2701842", "full_name": "Cameron Gemoets", "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "json_url": "https://lendb.ai/lo/cameron-gemoets-2701842.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", "CA", "GA", "IL", "IN", "MN", "MO", "OH", "OK", "TN", "TX", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "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": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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-2131/cameron-gemoets/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 58.8, "loan_officer": { "nmls_id": 315457, "slug": "darrin-shemon-315457", "full_name": "Darrin Shemon", "canonical_url": "https://lendb.ai/lo/darrin-shemon-315457", "json_url": "https://lendb.ai/lo/darrin-shemon-315457.json", "lender": { "nmls_id": 93718, "name": "Homeowners Financial Group", "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718", "type": "imb" }, "branch": { "city": "Waite Park", "state": "MN" }, "licensed_states": [ "MN", "ND" ], "licenses": [ { "state": "MN", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 28, "lender_profile_url": "https://homeownersfg.com/darrinshemon/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Waite Park, MN", "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/darrin-shemon-315457", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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/darrinshemon/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 54.8, "loan_officer": { "nmls_id": 335942, "slug": "gail-vinje-335942", "full_name": "Gail Vinje", "canonical_url": "https://lendb.ai/lo/gail-vinje-335942", "json_url": "https://lendb.ai/lo/gail-vinje-335942.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bloomington", "state": "MN" }, "licensed_states": [ "MN" ], "licenses": [ { "state": "MN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-4212/gail-vinje/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Bloomington, MN", "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gail-vinje-335942", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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/bloomington-mn-4212/gail-vinje/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 54.8, "loan_officer": { "nmls_id": 373394, "slug": "dave-amelsberg-373394", "full_name": "Dave Amelsberg", "canonical_url": "https://lendb.ai/lo/dave-amelsberg-373394", "json_url": "https://lendb.ai/lo/dave-amelsberg-373394.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": [ "MN", "WI" ], "licenses": [ { "state": "MN", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "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/stillwater-mn-4228/david-amelsberg/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Stillwater, MN", "MN 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/dave-amelsberg-373394", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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-4228/david-amelsberg/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54.3, "loan_officer": { "nmls_id": 179996, "slug": "denise-patten-179996", "full_name": "Denise Patten", "canonical_url": "https://lendb.ai/lo/denise-patten-179996", "json_url": "https://lendb.ai/lo/denise-patten-179996.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Hopkins", "state": "MN" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://mortgage.usbank.com/mn/hopkins/denise-patten-179996", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Hopkins, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2013 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/denise-patten-179996", "license_check": { "state": "MN", "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": 6, "score": 53.5, "loan_officer": { "nmls_id": 1481663, "slug": "aaron-eide-1481663", "full_name": "Aaron Eide", "canonical_url": "https://lendb.ai/lo/aaron-eide-1481663", "json_url": "https://lendb.ai/lo/aaron-eide-1481663.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Minneapolis", "state": "MN" }, "licensed_states": [ "CA", "MN", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://mortgage.usbank.com/mn/minneapolis/aaron-eide-1481663", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Minneapolis, MN", "MN 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/aaron-eide-1481663", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://mortgage.usbank.com/mn/minneapolis/aaron-eide-1481663" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 52.3, "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)", "Office in Stillwater, MN", "MN 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": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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": 8, "score": 51.8, "loan_officer": { "nmls_id": 90634, "slug": "dennis-hendricks-90634", "full_name": "Erin Hendricks", "canonical_url": "https://lendb.ai/lo/dennis-hendricks-90634", "json_url": "https://lendb.ai/lo/dennis-hendricks-90634.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Pleasant Grove", "state": "UT" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "ID", "IL", "KS", "ME", "MN", "MT", "NM", "NV", "OH", "OR", "PA", "TN", "TX", "UT", "VA", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MT", "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": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.intercaplending.com/loan-officer/erin-hendricks/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dennis-hendricks-90634", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.intercaplending.com/loan-officer/erin-hendricks/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 258898, "slug": "daniel-larkin-258898", "full_name": "Dan Larkin", "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Oak Brook", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IA", "IL", "IN", "KS", "KY", "MD", "MI", "MN", "MO", "NC", "SC", "TN", "TX", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "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": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "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": "jumbo", "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": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.leaderonefinancial.com/mlo/dan-larkin" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 10, "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)", "MN 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": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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": 11, "score": 51.8, "loan_officer": { "nmls_id": 878436, "slug": "candace-cagle-878436", "full_name": "Candace Cagle", "canonical_url": "https://lendb.ai/lo/candace-cagle-878436", "json_url": "https://lendb.ai/lo/candace-cagle-878436.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Houston", "state": "TX" }, "licensed_states": [ "AR", "MN", "MS", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-6942/candace-cagle/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "MN 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/candace-cagle-878436", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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/houston-tx-6942/candace-cagle/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 12, "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)", "MN 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": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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": 13, "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)", "MN 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": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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": 14, "score": 47.8, "loan_officer": { "nmls_id": 452837, "slug": "mark-steil-452837", "full_name": "Mark Steil", "canonical_url": "https://lendb.ai/lo/mark-steil-452837", "json_url": "https://lendb.ai/lo/mark-steil-452837.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Plymouth", "state": "MN" }, "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/mn/plymouth/mark-steil-452837", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Plymouth, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mark-steil-452837", "license_check": { "state": "MN", "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": 15, "score": 47.8, "loan_officer": { "nmls_id": 501956, "slug": "jon-o-reilly-501956", "full_name": "Jon O'Reilly", "canonical_url": "https://lendb.ai/lo/jon-o-reilly-501956", "json_url": "https://lendb.ai/lo/jon-o-reilly-501956.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Rochester", "state": "MN" }, "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/mn/rochester/jon-oreilly-501956", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Rochester, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/jon-o-reilly-501956", "license_check": { "state": "MN", "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": 501957, "slug": "bradley-johnson-501957", "full_name": "Bradley Johnson", "canonical_url": "https://lendb.ai/lo/bradley-johnson-501957", "json_url": "https://lendb.ai/lo/bradley-johnson-501957.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "White Bear Lake", "state": "MN" }, "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/mn/white-bear-lake/bradley-johnson-501957", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in White Bear Lake, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/bradley-johnson-501957", "license_check": { "state": "MN", "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": 502003, "slug": "don-hanson-502003", "full_name": "Don Hanson", "canonical_url": "https://lendb.ai/lo/don-hanson-502003", "json_url": "https://lendb.ai/lo/don-hanson-502003.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Edina", "state": "MN" }, "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/mn/edina/don-hanson-502003", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Edina, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/don-hanson-502003", "license_check": { "state": "MN", "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": 524093, "slug": "karl-schlichting-524093", "full_name": "Karl Schlichting", "canonical_url": "https://lendb.ai/lo/karl-schlichting-524093", "json_url": "https://lendb.ai/lo/karl-schlichting-524093.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Woodbury", "state": "MN" }, "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/mn/woodbury/karl-schlichting-524093", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Woodbury, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/karl-schlichting-524093", "license_check": { "state": "MN", "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": 1146437, "slug": "heather-burns-myhre-1146437", "full_name": "Heather Burns-Myhre", "canonical_url": "https://lendb.ai/lo/heather-burns-myhre-1146437", "json_url": "https://lendb.ai/lo/heather-burns-myhre-1146437.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Rochester", "state": "MN" }, "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/mn/rochester/heather-burns-myhre-1146437", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Rochester, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/heather-burns-myhre-1146437", "license_check": { "state": "MN", "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": 1240431, "slug": "peg-meader-1240431", "full_name": "Peg Meader", "canonical_url": "https://lendb.ai/lo/peg-meader-1240431", "json_url": "https://lendb.ai/lo/peg-meader-1240431.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Hopkins", "state": "MN" }, "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/mn/hopkins/peg-meader-1240431", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Hopkins, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/peg-meader-1240431", "license_check": { "state": "MN", "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": 1544200, "slug": "ryan-hanna-1544200", "full_name": "Ryan Hanna", "canonical_url": "https://lendb.ai/lo/ryan-hanna-1544200", "json_url": "https://lendb.ai/lo/ryan-hanna-1544200.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Hopkins", "state": "MN" }, "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/mn/hopkins/ryan-hanna-1544200", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Hopkins, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/ryan-hanna-1544200", "license_check": { "state": "MN", "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": 47.8, "loan_officer": { "nmls_id": 1616722, "slug": "jessica-widen-1616722", "full_name": "Jessica Widen", "canonical_url": "https://lendb.ai/lo/jessica-widen-1616722", "json_url": "https://lendb.ai/lo/jessica-widen-1616722.json", "lender": { "nmls_id": 402761, "name": "U.S. Bank", "canonical_url": "https://lendb.ai/lender/us-bank-402761", "type": "bank" }, "branch": { "city": "Hopkins", "state": "MN" }, "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/mn/hopkins/jessica-widen-1616722", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Hopkins, MN", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/jessica-widen-1616722", "license_check": { "state": "MN", "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": 23, "score": 47.3, "loan_officer": { "nmls_id": 518359, "slug": "amber-garofalo-518359", "full_name": "Amber Garofalo", "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359", "json_url": "https://lendb.ai/lo/amber-garofalo-518359.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Bear Lake", "state": "MN" }, "licensed_states": [ "FL", "CO", "MN", "WI" ], "licenses": [ { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in White Bear Lake, MN", "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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/white-bear-lake-mn-4237/amber-garofalo/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 45.3, "loan_officer": { "nmls_id": 400911, "slug": "bryan-bentley-400911", "full_name": "Bryan Bentley", "canonical_url": "https://lendb.ai/lo/bryan-bentley-400911", "json_url": "https://lendb.ai/lo/bryan-bentley-400911.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bloomington", "state": "MN" }, "licensed_states": [ "FL", "IA", "MN", "SD", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-4216/bryan-bentley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "Office in Bloomington, MN", "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/bryan-bentley-400911", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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/bloomington-mn-4216/bryan-bentley/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 43.8, "loan_officer": { "nmls_id": 1665289, "slug": "dillon-dambly-1665289", "full_name": "Dillon Dambly", "canonical_url": "https://lendb.ai/lo/dillon-dambly-1665289", "json_url": "https://lendb.ai/lo/dillon-dambly-1665289.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", "AZ", "CA", "GA", "IL", "KS", "MN", "NC", "NM", "OR", "SC", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OR", "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": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-5321/dillon-dambly/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Construction loan on lender page (lender page, verified 2026-10-09)", "MN 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/dillon-dambly-1665289", "license_check": { "state": "MN", "confidence": "lender_reported", "eligible": true, "label": "MN 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-5321/dillon-dambly/" }, "match_status": "exact", "matched_specialties": [ "construction" ], "unconfirmed_specialties": [] } ] }