{
  "canonical_url": "https://lendb.ai/s/dscr/rhode-island",
  "summary": "As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in Rhode Island whose lender pages show DSCR loan work. The top-ranked is Jon Libman (Guild Mortgage, North Attleboro). Ranking is lender-neutral: specialty evidence first, then a license in RI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "dscr",
  "state": "RI",
  "total": 1,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 14174,
        "slug": "jonathan-libman-14174",
        "full_name": "Jon Libman",
        "canonical_url": "https://lendb.ai/lo/jonathan-libman-14174",
        "json_url": "https://lendb.ai/lo/jonathan-libman-14174.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Attleboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "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": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/jon-libman-112-rgjlib.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "RI 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-libman-14174",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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/ma/northattleboro/jon-libman-112-rgjlib.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "dscr"
      ],
      "unconfirmed_specialties": []
    }
  ]
}