{
  "canonical_url": "https://lendb.ai/s/dscr/mississippi",
  "summary": "As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Mississippi whose lender pages show DSCR loan work. The top-ranked are Jared Ogburn (Guild Mortgage, Madison), Jonathan Salinas (CrossCountry Mortgage, Memphis) and Stinson Lanoix (GMFS Mortgage, Baton Rouge). Ranking is lender-neutral: specialty evidence first, then a license in MS, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "dscr",
  "state": "MS",
  "total": 6,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1698451,
        "slug": "jared-ogburn-1698451",
        "full_name": "Jared Ogburn",
        "canonical_url": "https://lendb.ai/lo/jared-ogburn-1698451",
        "json_url": "https://lendb.ai/lo/jared-ogburn-1698451.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Madison",
          "state": "MS"
        },
        "licensed_states": [
          "MS",
          "TX"
        ],
        "licenses": [
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ms/madison/jared-ogburn-384-chjog.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Office in Madison, MS",
        "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/jared-ogburn-1698451",
      "license_check": {
        "state": "MS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MS 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/ms/madison/jared-ogburn-384-chjog.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 2451140,
        "slug": "jonathan-salinas-2451140",
        "full_name": "Jonathan Salinas",
        "canonical_url": "https://lendb.ai/lo/jonathan-salinas-2451140",
        "json_url": "https://lendb.ai/lo/jonathan-salinas-2451140.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Memphis",
          "state": "TN"
        },
        "licensed_states": [
          "AR",
          "CO",
          "IL",
          "MI",
          "MS",
          "TN"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "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/memphis-tn-2810/jonathan-salinas/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MS 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/jonathan-salinas-2451140",
      "license_check": {
        "state": "MS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MS 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/memphis-tn-2810/jonathan-salinas/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 47,
      "loan_officer": {
        "nmls_id": 2005429,
        "slug": "stinson-lanoix-2005429",
        "full_name": "Stinson Lanoix",
        "canonical_url": "https://lendb.ai/lo/stinson-lanoix-2005429",
        "json_url": "https://lendb.ai/lo/stinson-lanoix-2005429.json",
        "lender": {
          "nmls_id": 64997,
          "name": "GMFS Mortgage",
          "canonical_url": "https://lendb.ai/lender/gmfs-mortgage-64997",
          "type": "imb"
        },
        "branch": {
          "city": "Baton Rouge",
          "state": "LA"
        },
        "licensed_states": [
          "FL",
          "LA",
          "MS",
          "NC",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 6,
        "lender_profile_url": "https://gmfsmortgage.com/loan-officers/stinson-lanoix/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/stinson-lanoix-2005429",
      "license_check": {
        "state": "MS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://gmfsmortgage.com/loan-officers/stinson-lanoix/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 2520487,
        "slug": "ryan-mcgran-2520487",
        "full_name": "Ryan McGran",
        "canonical_url": "https://lendb.ai/lo/ryan-mcgran-2520487",
        "json_url": "https://lendb.ai/lo/ryan-mcgran-2520487.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "ME",
          "MI",
          "MN",
          "MS",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://litfinancial.com/loan-experts/ryan-mcgran",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-mcgran-2520487",
      "license_check": {
        "state": "MS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://litfinancial.com/loan-experts/ryan-mcgran"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 41.3,
      "loan_officer": {
        "nmls_id": 250375,
        "slug": "kevin-roller-250375",
        "full_name": "Kevin Roller",
        "canonical_url": "https://lendb.ai/lo/kevin-roller-250375",
        "json_url": "https://lendb.ai/lo/kevin-roller-250375.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "HI",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WV"
        ],
        "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": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "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": "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": "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": "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": "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": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/kevin-roller",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MS 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/kevin-roller-250375",
      "license_check": {
        "state": "MS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MS 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/kevin-roller"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 79745,
        "slug": "william-commons-79745",
        "full_name": "William Commons",
        "canonical_url": "https://lendb.ai/lo/william-commons-79745",
        "json_url": "https://lendb.ai/lo/william-commons-79745.json",
        "lender": {
          "nmls_id": 70876,
          "name": "Assurance Financial",
          "canonical_url": "https://lendb.ai/lender/assurance-financial-70876",
          "type": "imb"
        },
        "branch": {
          "city": "Baton Rouge",
          "state": "LA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MS",
          "MT",
          "NC",
          "NE",
          "NH",
          "NM",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "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": "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": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "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"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://assurancemortgage.com/assurance_officers/william-commons/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2019 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/william-commons-79745",
      "license_check": {
        "state": "MS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://assurancemortgage.com/assurance_officers/william-commons/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    }
  ]
}