{
  "canonical_url": "https://lendb.ai/s/fha/arizona",
  "summary": "As of 2026-10-09, LenDb lists 426 loan officers licensed in or based in Arizona whose lender pages show FHA loan work. The top-ranked are Sonya Smith Graves (Fairway Independent Mortgage Corporation, Glendale), Arthur Klein (JPMorgan Chase Bank (Chase Home Lending), Phoenix) and Bradley Johnson (JPMorgan Chase Bank (Chase Home Lending), Phoenix). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "AZ",
  "total": 426,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 249583,
        "slug": "sonya-smith-graves-249583",
        "full_name": "Sonya Smith Graves",
        "canonical_url": "https://lendb.ai/lo/sonya-smith-graves-249583",
        "json_url": "https://lendb.ai/lo/sonya-smith-graves-249583.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Glendale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/sonya-graves-249583",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Glendale, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sonya-smith-graves-249583",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/sonya-graves-249583"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 62,
      "loan_officer": {
        "nmls_id": 1452376,
        "slug": "arthur-klein-1452376",
        "full_name": "Arthur Klein",
        "canonical_url": "https://lendb.ai/lo/arthur-klein-1452376",
        "json_url": "https://lendb.ai/lo/arthur-klein-1452376.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 26,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1452376",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/arthur-klein-1452376",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1452376"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 60.5,
      "loan_officer": {
        "nmls_id": 1823565,
        "slug": "bradley-johnson-1823565",
        "full_name": "Bradley Johnson",
        "canonical_url": "https://lendb.ai/lo/bradley-johnson-1823565",
        "json_url": "https://lendb.ai/lo/bradley-johnson-1823565.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/phoenix/1820-east-sky-harbor-circle-north-hla-1823565",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/bradley-johnson-1823565",
      "license_check": {
        "state": "AZ",
        "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": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 86512,
        "slug": "douglas-reese-86512",
        "full_name": "Scott Reese",
        "canonical_url": "https://lendb.ai/lo/douglas-reese-86512",
        "json_url": "https://lendb.ai/lo/douglas-reese-86512.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": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IN",
          "KS",
          "MN",
          "MT",
          "NV",
          "NY",
          "OH",
          "OR",
          "TN",
          "TX",
          "WA",
          "WI",
          "WV"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "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": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2146/douglas-reese/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/douglas-reese-86512",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ 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/cleveland-oh-2146/douglas-reese/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 436627,
        "slug": "katherine-davis-436627",
        "full_name": "Kay M. Davis",
        "canonical_url": "https://lendb.ai/lo/katherine-davis-436627",
        "json_url": "https://lendb.ai/lo/katherine-davis-436627.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Saint Clair",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "MI",
          "NE"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 35,
        "lender_profile_url": "https://www.uhm.com/loan-officers/kay-davis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/katherine-davis-436627",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/kay-davis/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 1314698,
        "slug": "kim-ray-1314698",
        "full_name": "Kim Ray",
        "canonical_url": "https://lendb.ai/lo/kim-ray-1314698",
        "json_url": "https://lendb.ai/lo/kim-ray-1314698.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Ocean Shores",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kim-ray",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-ray-1314698",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/kim-ray"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 357732,
        "slug": "kadeth-tun-357732",
        "full_name": "Kadeth Tun",
        "canonical_url": "https://lendb.ai/lo/kadeth-tun-357732",
        "json_url": "https://lendb.ai/lo/kadeth-tun-357732.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CO",
          "AZ",
          "CA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/kadeth-tun-357732",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2015 (per Florida records)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kadeth-tun-357732",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/kadeth-tun-357732"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 105723,
        "slug": "leonid-liss-105723",
        "full_name": "Leon Liss",
        "canonical_url": "https://lendb.ai/lo/leonid-liss-105723",
        "json_url": "https://lendb.ai/lo/leonid-liss-105723.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/leonid-liss/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/leonid-liss-105723",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.newrez.com/find-loan-officer/leonid-liss/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 133750,
        "slug": "kristopher-derewal-133750",
        "full_name": "Kristopher Derewal",
        "canonical_url": "https://lendb.ai/lo/kristopher-derewal-133750",
        "json_url": "https://lendb.ai/lo/kristopher-derewal-133750.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "PA",
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          "TX"
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          "MT",
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          "TX",
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          {
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          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
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          "IN",
          "MT",
          "NV",
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        "licenses": [
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "slug": "investor",
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        "years_experience": 30,
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        "Licensed since 2024 (per Colorado records)",
        "States 30 years of experience (lender page, 2026-10-09)"
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        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "state": "AZ"
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        "languages": [],
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            "slug": "co-op",
            "evidence": "lender_page_text"
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          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
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            "slug": "heloc",
            "evidence": "lender_page_text"
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          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
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          "SD",
          "TX",
          "UT"
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            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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        "Office in Tempe, AZ",
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
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        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
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          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "OR",
          "PA",
          "VA"
        ],
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            "state": "AR",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CA",
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "IL",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
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            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
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          },
          {
            "slug": "first-time-buyer",
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          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/yanni-stefanidis",
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      },
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
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      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/yanni-stefanidis"
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      "rank": 19,
      "score": 54.5,
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        "canonical_url": "https://lendb.ai/lo/elaine-tompkins-1710509",
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        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Tempe",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/az/tempe/100-w-university-dr-hla-1710509",
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        "Licensed since 2018 (per Florida records)"
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          "name": "Guild Mortgage",
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        },
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        },
        "licensed_states": [
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          "KS",
          "MO",
          "OR",
          "TX",
          "UT",
          "WI"
        ],
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
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          {
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        "licenses": [
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            "confidence": "lender_reported"
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          {
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          {
            "state": "PA",
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        "licensed_since": {
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          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/marc-rosenberg/",
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        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.newrez.com/find-loan-officer/marc-rosenberg/"
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        "json_url": "https://lendb.ai/lo/erik-browning-2264602.json",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
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      "reasons": [
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  ]
}