{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/oklahoma", "summary": "As of 2026-10-09, LenDb lists 24 loan officers licensed in or based in Oklahoma whose lender pages show Down payment assistance work. The top-ranked are Kellie Buchanan (Highlands Residential Mortgage, Angel Fire), Camille Olson (Barrett Financial Group, Chandler) and Doug Luza (Guild Mortgage, Katy). Ranking is lender-neutral: specialty evidence first, then a license in OK, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "down-payment-assistance", "state": "OK", "total": 24, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59, "loan_officer": { "nmls_id": 744052, "slug": "kellie-buchanan-744052", "full_name": "Kellie Buchanan", "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Angel Fire", "state": "NM" }, "licensed_states": [ "FL", "CO", "NM", "OK", "TN", "TX" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": 34, "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Colorado records)", "States 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 54.8, "loan_officer": { "nmls_id": 474281, "slug": "camille-olson-474281", "full_name": "Camille Olson", "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "json_url": "https://lendb.ai/lo/camille-olson-474281.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "CO", "AL", "AZ", "GA", "ID", "MT", "NV", "OH", "OK", "TX", "UT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/colson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.barrettfinancial.com/colson" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 52.3, "loan_officer": { "nmls_id": 311377, "slug": "douglas-luza-311377", "full_name": "Doug Luza", "canonical_url": "https://lendb.ai/lo/douglas-luza-311377", "json_url": "https://lendb.ai/lo/douglas-luza-311377.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Katy", "state": "TX" }, "licensed_states": [ "FL", "OK", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "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://branches.guildmortgage.com/tx/katy/doug-luza-35-apdlu.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK 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/douglas-luza-311377", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/tx/katy/doug-luza-35-apdlu.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 52, "loan_officer": { "nmls_id": 649456, "slug": "lenae-vandegrift-649456", "full_name": "Lenae Vandegrift", "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456", "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Thornton", "state": "CO" }, "licensed_states": [ "FL", "CO", "CA", "MI", "NM", "OK", "SC", "TX", "WI", "WY" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/lenae-vandegrift" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 51.8, "loan_officer": { "nmls_id": 176759, "slug": "daniel-campa-176759", "full_name": "Daniel Campa", "canonical_url": "https://lendb.ai/lo/daniel-campa-176759", "json_url": "https://lendb.ai/lo/daniel-campa-176759.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dallas", "state": "TX" }, "licensed_states": [ "FL", "OK", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3984/daniel-campa/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-campa-176759", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/dallas-tx-3984/daniel-campa/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 51.8, "loan_officer": { "nmls_id": 207433, "slug": "jenay-bowen-207433", "full_name": "Jenay Bowen", "canonical_url": "https://lendb.ai/lo/jenay-bowen-207433", "json_url": "https://lendb.ai/lo/jenay-bowen-207433.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Rockwall", "state": "TX" }, "licensed_states": [ "OK", "TX" ], "licenses": [ { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/rockwall-tx-4981/jenay-bowen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jenay-bowen-207433", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/rockwall-tx-4981/jenay-bowen/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 210839, "slug": "jason-smith-210839", "full_name": "Jason Smith", "canonical_url": "https://lendb.ai/lo/jason-smith-210839", "json_url": "https://lendb.ai/lo/jason-smith-210839.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AK", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "MO", "NE", "NM", "NV", "OK", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "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": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "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": "down-payment-assistance", "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": 22, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-smith-210839", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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-4661/jason-smith/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 50.3, "loan_officer": { "nmls_id": 175312, "slug": "charles-oliver-175312", "full_name": "Charles Oliver", "canonical_url": "https://lendb.ai/lo/charles-oliver-175312", "json_url": "https://lendb.ai/lo/charles-oliver-175312.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "AL", "AZ", "CA", "IL", "IN", "MI", "NC", "OH", "OK", "OR", "PA", "TN", "TX", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 11, "licensed_since": { "year": 2015, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/charles-oliver/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2015 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/charles-oliver-175312", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/delray-beach-fl-3726/charles-oliver/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 49.8, "loan_officer": { "nmls_id": 690505, "slug": "iris-legaspi-690505", "full_name": "Iris Legaspi", "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "UT", "VA", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "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": "NE", "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": "lender_reported" }, { "state": "SC", "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": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 49.8, "loan_officer": { "nmls_id": 1100009, "slug": "monica-centeno-1100009", "full_name": "Monica Centeno", "canonical_url": "https://lendb.ai/lo/monica-centeno-1100009", "json_url": "https://lendb.ai/lo/monica-centeno-1100009.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Henderson", "state": "NV" }, "licensed_states": [ "FL", "CO", "AL", "AZ", "CA", "DE", "GA", "HI", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "MI", "MO", "MS", "NC", "NE", "NJ", "NM", "NV", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "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": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "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": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/monica-centeno-255-hdmce.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/monica-centeno-1100009", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/nv/henderson/monica-centeno-255-hdmce.html" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 48.5, "loan_officer": { "nmls_id": 514140, "slug": "darin-darling-514140", "full_name": "Darin Darling", "canonical_url": "https://lendb.ai/lo/darin-darling-514140", "json_url": "https://lendb.ai/lo/darin-darling-514140.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Edmond", "state": "OK" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/ok/edmond/300-s-bryant-ave-hla-514140", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Edmond, OK", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/darin-darling-514140", "license_check": { "state": "OK", "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": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 46.8, "loan_officer": { "nmls_id": 1035668, "slug": "brittany-kuchelmeister-1035668", "full_name": "Brittany Kuchelmeister", "canonical_url": "https://lendb.ai/lo/brittany-kuchelmeister-1035668", "json_url": "https://lendb.ai/lo/brittany-kuchelmeister-1035668.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dallas", "state": "TX" }, "licensed_states": [ "FL", "OK", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3984/brittany-shoemaker/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/john-king-453426", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/roseville-ca-4944/john-king/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 43.3, "loan_officer": { "nmls_id": 681629, "slug": "lacey-moores-681629", "full_name": "Lacey Moores", "canonical_url": "https://lendb.ai/lo/lacey-moores-681629", "json_url": "https://lendb.ai/lo/lacey-moores-681629.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lees Summit", "state": "MO" }, "licensed_states": [ "FL", "AR", "IA", "KS", "MO", "OK", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/lees-summit-mo-4933/lacey-moores/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/lacey-moores-681629", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/lees-summit-mo-4933/lacey-moores/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 42, "loan_officer": { "nmls_id": 275059, "slug": "timothy-singleton-275059", "full_name": "Tim Singleton", "canonical_url": "https://lendb.ai/lo/timothy-singleton-275059", "json_url": "https://lendb.ai/lo/timothy-singleton-275059.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Addison", "state": "TX" }, "licensed_states": [ "FL", "OK", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/addison-tx-3925/timothy-singleton/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/timothy-singleton-275059", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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/addison-tx-3925/timothy-singleton/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 41.8, "loan_officer": { "nmls_id": 621510, "slug": "matthew-richardson-621510", "full_name": "Matthew Richardson", "canonical_url": "https://lendb.ai/lo/matthew-richardson-621510", "json_url": "https://lendb.ai/lo/matthew-richardson-621510.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": [ "OK", "TX" ], "licenses": [ { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-5337/matthew-richardson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/matthew-richardson-621510", "license_check": { "state": "OK", "confidence": "lender_reported", "eligible": true, "label": "OK 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-5337/matthew-richardson/" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 41.8, "loan_officer": { "nmls_id": 771096, "slug": "andrew-semple-771096", "full_name": "Andrew Semple", "canonical_url": "https://lendb.ai/lo/andrew-semple-771096", "json_url": "https://lendb.ai/lo/andrew-semple-771096.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": [ "AZ", "CA", "FL", "IL", "KS", "MO", "OK", "PA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-5029/andrew-semple/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "OK listed on their lender page (not yet checked with the state regulator; 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