{ "canonical_url": "https://lendb.ai/s/fha/florida", "summary": "As of 2026-10-09, LenDb lists 218 loan officers licensed in or based in Florida whose lender pages show FHA loan work. The top-ranked are Kim Ullrich (Guild Mortgage, Vero Beach), Jeffrey M Brown (Guild Mortgage, Boca Raton) and Susan McGrath (CrossCountry Mortgage, Naples). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "fha", "state": "FL", "total": 218, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 65.8, "loan_officer": { "nmls_id": 306250, "slug": "kim-ullrich-306250", "full_name": "Kim Ullrich", "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250", "json_url": "https://lendb.ai/lo/kim-ullrich-306250.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Vero Beach", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/fl/verobeach/kim-ullrich-299-hpku.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Vero Beach, FL", "Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 65.8, "loan_officer": { "nmls_id": 317188, "slug": "jeffrey-brown-317188", "full_name": "Jeffrey M Brown", "canonical_url": "https://lendb.ai/lo/jeffrey-brown-317188", "json_url": "https://lendb.ai/lo/jeffrey-brown-317188.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Boca Raton", "state": "FL" }, "licensed_states": [ "FL", "IL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/jeffrey-m-brown-777-hpjeb.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Boca Raton, FL", "Licensed in FL: confirmed with the Florida regulator (license LO1840), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeffrey-brown-317188", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO1840), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 65.8, "loan_officer": { "nmls_id": 366451, "slug": "susan-mcgrath-366451", "full_name": "Susan McGrath", "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451", "json_url": "https://lendb.ai/lo/susan-mcgrath-366451.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "MA", "NC", "NH", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "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" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 40, "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/susan-mcgrath/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Naples, FL", "Licensed in FL: confirmed with the Florida regulator (license LO110737), verified 2026-10-09", "Licensed since 2022 (per Florida records)", "States 40 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO110737), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 65, "loan_officer": { "nmls_id": 815948, "slug": "charles-figueroa-815948", "full_name": "Charles Figueroa", "canonical_url": "https://lendb.ai/lo/charles-figueroa-815948", "json_url": "https://lendb.ai/lo/charles-figueroa-815948.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/charles-figueroa-815948", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Florida", "Licensed in FL: confirmed with the Florida regulator (license LO57738), verified 2026-10-09", "Licensed since 2018 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/charles-figueroa-815948", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO57738), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 64.8, "loan_officer": { "nmls_id": 659544, "slug": "erika-alves-659544", "full_name": "Erika Alves", "canonical_url": "https://lendb.ai/lo/erika-alves-659544", "json_url": "https://lendb.ai/lo/erika-alves-659544.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "AR", "OK", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "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": 14, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4600/erika-alves/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Tampa, FL", "Licensed in FL: confirmed with the Florida regulator (license LO13353), verified 2026-10-09", "Licensed since 2012 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/erika-alves-659544", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO13353), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 63.8, "loan_officer": { "nmls_id": 330121, "slug": "mark-minadeo-330121", "full_name": "Mark Minadeo", "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121", "json_url": "https://lendb.ai/lo/mark-minadeo-330121.json", "lender": { "nmls_id": 152859, "name": "Acrisure Mortgage (formerly FBC Mortgage)", "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859", "type": "imb" }, "branch": { "city": "Coconut Creek", "state": "FL" }, "licensed_states": [ "FL", "PA", "DE" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://acrisuremortgage.com/mminadeo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Coconut Creek, FL", "Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09", "Licensed since 2010 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 63.5, "loan_officer": { "nmls_id": 336281, "slug": "ricardo-maysonet-336281", "full_name": "Rick Maysonet", "canonical_url": "https://lendb.ai/lo/ricardo-maysonet-336281", "json_url": "https://lendb.ai/lo/ricardo-maysonet-336281.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/rick-maysonet-336281", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Florida", "Licensed in FL: confirmed with the Florida regulator (license LO4118), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ricardo-maysonet-336281", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO4118), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 62.8, "loan_officer": { "nmls_id": 3961, "slug": "anthony-raby-3961", "full_name": "Tony Raby", "canonical_url": "https://lendb.ai/lo/anthony-raby-3961", "json_url": "https://lendb.ai/lo/anthony-raby-3961.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", "ME", "NH", "RI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/tony-raby-112-rgara.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO118406), verified 2026-10-09", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/anthony-raby-3961", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO118406), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 62.8, "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)", "Licensed in FL: confirmed with the Florida regulator (license LO111852), 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/douglas-reese-86512", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO111852), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 62.8, "loan_officer": { "nmls_id": 175955, "slug": "jon-knight-175955", "full_name": "Jon Knight", "canonical_url": "https://lendb.ai/lo/jon-knight-175955", "json_url": "https://lendb.ai/lo/jon-knight-175955.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Carmel", "state": "IN" }, "licensed_states": [ "FL", "IN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.fairway.com/lo/jon-knight-175955", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO132446), verified 2026-10-09", "Licensed since 2024 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jon-knight-175955", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO132446), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 62.8, "loan_officer": { "nmls_id": 208089, "slug": "pamela-rios-tabares-208089", "full_name": "Pam Rios", "canonical_url": "https://lendb.ai/lo/pamela-rios-tabares-208089", "json_url": "https://lendb.ai/lo/pamela-rios-tabares-208089.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Marietta", "state": "GA" }, "licensed_states": [ "FL", "GA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 39, "lender_profile_url": "https://branches.guildmortgage.com/ga/marietta/pam-rios-378-hppr.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO136357), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 39 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/pamela-rios-tabares-208089", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO136357), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 62.8, "loan_officer": { "nmls_id": 221466, "slug": "david-ischkum-221466", "full_name": "David Ischkum", "canonical_url": "https://lendb.ai/lo/david-ischkum-221466", "json_url": "https://lendb.ai/lo/david-ischkum-221466.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dardenne Prairie", "state": "MO" }, "licensed_states": [ "FL", "IL", "IN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/dardenne-prairie-mo-3107/david-ischkum/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO65202), verified 2026-10-09", "Licensed since 2019 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/david-ischkum-221466", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO65202), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 62.8, "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)", "Licensed in FL: confirmed with the Florida regulator (license LO40170), verified 2026-10-09", "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": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO40170), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 62.8, "loan_officer": { "nmls_id": 442359, "slug": "preston-williams-442359", "full_name": "Preston Williams", "canonical_url": "https://lendb.ai/lo/preston-williams-442359", "json_url": "https://lendb.ai/lo/preston-williams-442359.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Anchorage", "state": "AK" }, "licensed_states": [ "FL", "AK" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://branches.guildmortgage.com/ak/anchorage/preston-williams-608-kapw.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO140119), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/preston-williams-442359", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO140119), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 62.8, "loan_officer": { "nmls_id": 533656, "slug": "sandra-lutz-533656", "full_name": "Sandee Lutz", "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656", "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Romeo", "state": "MI" }, "licensed_states": [ "FL", "AL", "AR", "CA", "CO", "CT", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "ME", "MI", "MN", "MO", "MT", "ND", "OH", "OK", "OR", "SD", "TN", "VA", "WA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "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": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO67899), verified 2026-10-09", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO67899), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 62.8, "loan_officer": { "nmls_id": 880676, "slug": "kathleen-redman-880676", "full_name": "Kate Redman", "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676", "json_url": "https://lendb.ai/lo/kathleen-redman-880676.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Evans", "state": "GA" }, "licensed_states": [ "FL", "AL", "GA", "NC", "SC", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/evans-ga-3656/kathleen-redman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO57586), verified 2026-10-09", "Licensed since 2018 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO57586), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 62.8, "loan_officer": { "nmls_id": 2701842, "slug": "cameron-gemoets-2701842", "full_name": "Cameron Gemoets", "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "json_url": "https://lendb.ai/lo/cameron-gemoets-2701842.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", "CA", "GA", "IL", "IN", "MN", "MO", "OH", "OK", "TN", "TX", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "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": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO142821), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO142821), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 61.8, "loan_officer": { "nmls_id": 369430, "slug": "daniel-longman-369430", "full_name": "Dan Longman", "canonical_url": "https://lendb.ai/lo/daniel-longman-369430", "json_url": "https://lendb.ai/lo/daniel-longman-369430.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Plantation", "state": "FL" }, "licensed_states": [ "FL", "GA", "NC", "OH", "SC", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "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": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://nfmlending.com/loanoriginator/dan-longman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Plantation, FL", "Licensed in FL: confirmed with the Florida regulator (license LO653), verified 2026-10-09", "Licensed since 2010 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-longman-369430", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO653), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 61.8, "loan_officer": { "nmls_id": 404510, "slug": "barry-koven-404510", "full_name": "Barry Koven", "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "json_url": "https://lendb.ai/lo/barry-koven-404510.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Brooklyn", "state": "NY" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA", "RI" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "co-op", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/brooklyn-ny-5601/barry-koven/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO62575), verified 2026-10-09", "Licensed since 2019 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/barry-koven-404510", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO62575), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 61.8, "loan_officer": { "nmls_id": 1722170, "slug": "shameika-huff-1722170", "full_name": "Shameika Huff", "canonical_url": "https://lendb.ai/lo/shameika-huff-1722170", "json_url": "https://lendb.ai/lo/shameika-huff-1722170.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 26, "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/shameika-huff", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Tampa, FL", "Licensed in FL: confirmed with the Florida regulator (license LO80329), verified 2026-10-09", "Licensed since 2021 (per Florida records)", "States 26 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/shameika-huff-1722170", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO80329), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 61.5, "loan_officer": { "nmls_id": 1247908, "slug": "spencer-lumia-1247908", "full_name": "Spencer Lumia", "canonical_url": "https://lendb.ai/lo/spencer-lumia-1247908", "json_url": "https://lendb.ai/lo/spencer-lumia-1247908.json", "lender": { "nmls_id": 152859, "name": "Acrisure Mortgage (formerly FBC Mortgage)", "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "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": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://acrisuremortgage.com/slumia/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Tampa, FL", "Licensed in FL: confirmed with the Florida regulator (license LO27657), verified 2026-10-09", "Licensed since 2014 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/spencer-lumia-1247908", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO27657), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 61.3, "loan_officer": { "nmls_id": 23347, "slug": "matthew-voutour-23347", "full_name": "Matt Voutour", "canonical_url": "https://lendb.ai/lo/matthew-voutour-23347", "json_url": "https://lendb.ai/lo/matthew-voutour-23347.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Ponte Vedra Beach", "state": "FL" }, "licensed_states": [ "FL", "GA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "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": 11, "licensed_since": { "year": 2015, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/ponte-vedra-beach-fl-4160/matthew-voutour/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in Ponte Vedra Beach, FL", "Licensed in FL: confirmed with the Florida regulator (license LO31314), verified 2026-10-09", "Licensed since 2015 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/matthew-voutour-23347", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO31314), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 61.3, "loan_officer": { "nmls_id": 210381, "slug": "craig-cusick-210381", "full_name": "Craig Cusick", "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "json_url": "https://lendb.ai/lo/craig-cusick-210381.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [ "FL", "CO", "IN", "MO", "OH", "OR", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "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" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.fairway.com/lo/craig-cusick-210381", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO89585), verified 2026-10-09", "Licensed since 2021 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO89585), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 61, "loan_officer": { "nmls_id": 268035, "slug": "thomas-fazio-268035", "full_name": "Tom Fazio", "canonical_url": "https://lendb.ai/lo/thomas-fazio-268035", "json_url": "https://lendb.ai/lo/thomas-fazio-268035.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "St. Augustine", "state": "FL" }, "licensed_states": [ "FL", "GA", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/tom-fazio", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in St. Augustine, FL", "Licensed in FL: confirmed with the Florida regulator (license LO297), verified 2026-10-09", "Licensed since 2010 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/thomas-fazio-268035", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO297), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 60.8, "loan_officer": { "nmls_id": 157850, "slug": "lisa-capicchioni-157850", "full_name": "Lisa Capicchioni", "canonical_url": "https://lendb.ai/lo/lisa-capicchioni-157850", "json_url": "https://lendb.ai/lo/lisa-capicchioni-157850.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Manchester", "state": "NH" }, "licensed_states": [ "FL", "MA", "ME", "NH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/nh/manchester/lisa-capicchioni-876-rglca.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO136383), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lisa-capicchioni-157850", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO136383), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] } ] }