{
  "canonical_url": "https://lendb.ai/s/construction/pennsylvania",
  "summary": "As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Pennsylvania whose lender pages show Construction loan work. The top-ranked are Barry Koven (CrossCountry Mortgage, Brooklyn), Scott Lacey (Guild Mortgage, Lincoln) and Lee Blades (CrossCountry Mortgage, Reston). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "construction",
  "state": "PA",
  "total": 25,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 404510,
        "slug": "barry-koven-404510",
        "full_name": "Barry Koven",
        "canonical_url": "https://lendb.ai/lo/barry-koven-404510",
        "json_url": "https://lendb.ai/lo/barry-koven-404510.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Brooklyn",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "NJ",
          "NY",
          "PA",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 70437), verified 2026-10-09",
        "Licensed since 2019 (per Florida records)",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/barry-koven-404510",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 70437), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "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)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 27794), verified 2026-10-09",
        "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": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 27794), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 144593,
        "slug": "leroy-blades-144593",
        "full_name": "Lee Blades",
        "canonical_url": "https://lendb.ai/lo/leroy-blades-144593",
        "json_url": "https://lendb.ai/lo/leroy-blades-144593.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Reston",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "NJ",
          "PA",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/reston-va-4497/leroy-blades-iii/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/leroy-blades-144593",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/reston-va-4497/leroy-blades-iii/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 57,
      "loan_officer": {
        "nmls_id": 133209,
        "slug": "david-demmer-133209",
        "full_name": "David Demmer",
        "canonical_url": "https://lendb.ai/lo/david-demmer-133209",
        "json_url": "https://lendb.ai/lo/david-demmer-133209.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "PA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/david-demmer/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 39583), verified 2026-10-09",
        "Licensed since 2022 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/david-demmer-133209",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 39583), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 2129713,
        "slug": "melissa-martin-2129713",
        "full_name": "Melissa Martin",
        "canonical_url": "https://lendb.ai/lo/melissa-martin-2129713",
        "json_url": "https://lendb.ai/lo/melissa-martin-2129713.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Lancaster",
          "state": "PA"
        },
        "licensed_states": [
          "PA"
        ],
        "licenses": [
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "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://branches.guildmortgage.com/pa/lancaster/melissa-martin-507-rgmma.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Lancaster, PA",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 91884), verified 2026-10-09"
      ],
      "canonical_url": "https://lendb.ai/lo/melissa-martin-2129713",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 91884), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 55,
      "loan_officer": {
        "nmls_id": 482084,
        "slug": "irini-ronen-lulu-482084",
        "full_name": "Irini Lulu",
        "canonical_url": "https://lendb.ai/lo/irini-ronen-lulu-482084",
        "json_url": "https://lendb.ai/lo/irini-ronen-lulu-482084.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Plymouth Meeting",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "DE",
          "MD",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "el",
          "sq"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/plymouth-meeting-pa-5045/irini-lulu/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Office in Plymouth Meeting, PA",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2019 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/irini-ronen-lulu-482084",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/plymouth-meeting-pa-5045/irini-lulu/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 54.8,
      "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)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 121022), verified 2026-10-09",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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