{ "canonical_url": "https://lendb.ai/s/down-payment-assistance/pennsylvania", "summary": "As of 2026-10-09, LenDb lists 62 loan officers licensed in or based in Pennsylvania whose lender pages show Down payment assistance work. The top-ranked are Michelle Greenwalt (First Home Mortgage, Millersville), Tina Gring (Guild Mortgage, Lancaster) and Edwin Santiago (CrossCountry Mortgage, Wayne). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "down-payment-assistance", "state": "PA", "total": 62, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 267729, "slug": "michelle-greenwalt-267729", "full_name": "Michelle Greenwalt", "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729", "json_url": "https://lendb.ai/lo/michelle-greenwalt-267729.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Millersville", "state": "MD" }, "licensed_states": [ "FL", "PA", "DC", "DE", "GA", "MD", "NC", "TN", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "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": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://firsthome.com/loan-officers/michelle-greenwalt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), 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/michelle-greenwalt-267729", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 57.8, "loan_officer": { "nmls_id": 98983, "slug": "tina-gring-98983", "full_name": "Tina Gring", "canonical_url": "https://lendb.ai/lo/tina-gring-98983", "json_url": "https://lendb.ai/lo/tina-gring-98983.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": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://branches.guildmortgage.com/pa/lancaster/tina-gring-507-rgtg.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Lancaster, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 35936), verified 2026-10-09", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tina-gring-98983", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 35936), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 57.8, "loan_officer": { "nmls_id": 133618, "slug": "edwin-santiago-133618", "full_name": "Edwin Santiago", "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618", "json_url": "https://lendb.ai/lo/edwin-santiago-133618.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Wayne", "state": "PA" }, "licensed_states": [ "FL", "CO", "DE", "IN", "KY", "MD", "ME", "MI", "MN", "MS", "MT", "NC", "PA", "SC", "TN", "UT", "VA", "CA", "GA", "IL", "NJ", "NY", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "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": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "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" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "CO" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-4431/edwin-santiago/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Wayne, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 20938), verified 2026-10-09", "Licensed since 2013 (per Colorado records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 20938), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 55.8, "loan_officer": { "nmls_id": 1930468, "slug": "glenys-diaz-1930468", "full_name": "Glenys Diaz", "canonical_url": "https://lendb.ai/lo/glenys-diaz-1930468", "json_url": "https://lendb.ai/lo/glenys-diaz-1930468.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bethlehem", "state": "PA" }, "licensed_states": [ "PA" ], "licenses": [ { "state": "PA", "confidence": "confirmed" } ], "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/bethlehem-pa-3208/glenys-diaz/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Bethlehem, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 100949), verified 2026-10-09" ], "canonical_url": "https://lendb.ai/lo/glenys-diaz-1930468", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 100949), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54.8, "loan_officer": { "nmls_id": 2237575, "slug": "michael-hamilton-2237575", "full_name": "Michael Hamilton", "canonical_url": "https://lendb.ai/lo/michael-hamilton-2237575", "json_url": "https://lendb.ai/lo/michael-hamilton-2237575.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Niles", "state": "OH" }, "licensed_states": [ "FL", "GA", "NC", "OH", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "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": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/niles-oh-2121/michael-hamilton/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 92840), 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/michael-hamilton-2237575", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 92840), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 54.3, "loan_officer": { "nmls_id": 22882, "slug": "mark-lynch-22882", "full_name": "Mark Lynch", "canonical_url": "https://lendb.ai/lo/mark-lynch-22882", "json_url": "https://lendb.ai/lo/mark-lynch-22882.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Winchester", "state": "VA" }, "licensed_states": [ "PA", "DC", "MD", "SC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/va/winchester/mark-lynch-600-rgmly.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 70723), verified 2026-10-09", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/mark-lynch-22882", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 70723), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 54.3, "loan_officer": { "nmls_id": 180395, "slug": "nathan-sommers-180395", "full_name": "Nathan Sommers", "canonical_url": "https://lendb.ai/lo/nathan-sommers-180395", "json_url": "https://lendb.ai/lo/nathan-sommers-180395.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Forest Hill", "state": "MD" }, "licensed_states": [ "FL", "DC", "DE", "MD", "PA", "TX", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/forest-hill-md-3081/nathan-sommers/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 105589), verified 2026-10-09", "Licensed since 2023 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/nathan-sommers-180395", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 105589), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 53.8, "loan_officer": { "nmls_id": 216938, "slug": "mark-ramos-216938", "full_name": "Mark Ramos", "canonical_url": "https://lendb.ai/lo/mark-ramos-216938", "json_url": "https://lendb.ai/lo/mark-ramos-216938.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Toms River", "state": "NJ" }, "licensed_states": [ "FL", "AL", "GA", "MO", "NJ", "PA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/toms-river-nj-3276/mark-ramos/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 107944), verified 2026-10-09", "Licensed since 2021 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-ramos-216938", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 107944), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 53.8, "loan_officer": { "nmls_id": 219774, "slug": "beth-lewis-219774", "full_name": "Beth Lewis", "canonical_url": "https://lendb.ai/lo/beth-lewis-219774", "json_url": "https://lendb.ai/lo/beth-lewis-219774.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Evanston", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "CT", "DC", "GA", "IL", "IN", "MA", "MD", "MI", "MN", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "CO" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/evanston-il-3035/beth-lewis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 73661), verified 2026-10-09", "Licensed since 2010 (per Colorado records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/beth-lewis-219774", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 73661), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 53.8, "loan_officer": { "nmls_id": 748590, "slug": "clint-baum-748590", "full_name": "Clint Baum", "canonical_url": "https://lendb.ai/lo/clint-baum-748590", "json_url": "https://lendb.ai/lo/clint-baum-748590.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Hershey", "state": "PA" }, "licensed_states": [ "PA" ], "licenses": [ { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 22, "lender_profile_url": "https://branches.guildmortgage.com/pa/hershey/clint-baum-352-rgcbau.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Hershey, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 54834), verified 2026-10-09", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/clint-baum-748590", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 54834), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "down-payment-assistance" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 53.8, "loan_officer": { "nmls_id": 783536, "slug": "michael-folkemer-783536", "full_name": "Mike Folkemer", "canonical_url": "https://lendb.ai/lo/michael-folkemer-783536", "json_url": "https://lendb.ai/lo/michael-folkemer-783536.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lebanon", "state": "PA" }, "licensed_states": [ "DE", "MD", "PA" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/lebanon-pa-3233/michael-folkemer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Lebanon, PA", "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-folkemer-783536", "license_check": { "state": "PA", "confidence": "lender_reported", "eligible": true, "label": "PA 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"https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Philadelphia", "state": "PA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/pa/philadelphia/1636-walnut-st-hla-2031250", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)", "Office in Philadelphia, PA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/cameron-nagy-2031250", "license_check": { "state": "PA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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