{
  "canonical_url": "https://lendb.ai/s/fha/louisiana",
  "summary": "As of 2026-10-10, LenDb lists 97 loan officers licensed in or based in Louisiana whose lender pages show FHA loan work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Darren Gill (GMFS Mortgage, Baton Rouge) and Jackson Thomas (CrossCountry Mortgage, Dallas). Ranking is lender-neutral: specialty evidence first, then a license in LA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "LA",
  "total": 97,
  "last_verified": "2026-10-10",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "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)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/romeo-mi-3209/sandra-lutz/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55.5,
      "loan_officer": {
        "nmls_id": 93547,
        "slug": "darren-gill-93547",
        "full_name": "Darren Gill",
        "canonical_url": "https://lendb.ai/lo/darren-gill-93547",
        "json_url": "https://lendb.ai/lo/darren-gill-93547.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": [
          "AL",
          "AR",
          "LA",
          "MS",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "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": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 9,
        "lender_profile_url": "https://gmfsmortgage.com/loan-officers/darren-gill/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Baton Rouge, LA",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/darren-gill-93547",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/darren-gill/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 1190420,
        "slug": "jackson-thomas-1190420",
        "full_name": "Jackson Thomas",
        "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420",
        "json_url": "https://lendb.ai/lo/jackson-thomas-1190420.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "KS",
          "LA",
          "MA",
          "MI",
          "MO",
          "MS",
          "NC",
          "NE",
          "NM",
          "NV",
          "OK",
          "OR",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "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": 9,
        "licensed_since": {
          "year": 2017,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3365/jackson-thomas/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/dallas-tx-3365/jackson-thomas/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 2052424,
        "slug": "ryne-bernal-2052424",
        "full_name": "Ryne Bernal",
        "canonical_url": "https://lendb.ai/lo/ryne-bernal-2052424",
        "json_url": "https://lendb.ai/lo/ryne-bernal-2052424.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Allen",
          "state": "TX"
        },
        "licensed_states": [
          "KS",
          "LA",
          "NM",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/ryne-bernal",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/ryne-bernal-2052424",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/ryne-bernal"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 2290099,
        "slug": "francisco-sanchez-2290099",
        "full_name": "Frank Sanchez",
        "canonical_url": "https://lendb.ai/lo/francisco-sanchez-2290099",
        "json_url": "https://lendb.ai/lo/francisco-sanchez-2290099.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Katy",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "IA",
          "KS",
          "LA",
          "OK",
          "OR",
          "SC",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/frank-sanchez",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/francisco-sanchez-2290099",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.barrettfinancial.com/frank-sanchez"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 1399128,
        "slug": "chris-solinski-1399128",
        "full_name": "Chris Solinski",
        "canonical_url": "https://lendb.ai/lo/chris-solinski-1399128",
        "json_url": "https://lendb.ai/lo/chris-solinski-1399128.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": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "GA",
          "IL",
          "LA",
          "NC",
          "OH",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "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": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": 9,
        "lender_profile_url": "https://litfinancial.com/loan-experts/chris-solinski",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2016 (per Colorado records)",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/chris-solinski-1399128",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/chris-solinski"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 1903169,
        "slug": "grant-oliver-1903169",
        "full_name": "Grant Oliver",
        "canonical_url": "https://lendb.ai/lo/grant-oliver-1903169",
        "json_url": "https://lendb.ai/lo/grant-oliver-1903169.json",
        "lender": {
          "nmls_id": 70876,
          "name": "Assurance Financial",
          "canonical_url": "https://lendb.ai/lender/assurance-financial-70876",
          "type": "imb"
        },
        "branch": {
          "city": "Shreveport",
          "state": "LA"
        },
        "licensed_states": [
          "AR",
          "LA",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://assurancemortgage.com/assurance_officers/grant-oliver/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Shreveport, LA",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/grant-oliver-1903169",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/grant-oliver/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 44,
      "loan_officer": {
        "nmls_id": 120522,
        "slug": "cade-nichols-120522",
        "full_name": "Cade Nichols",
        "canonical_url": "https://lendb.ai/lo/cade-nichols-120522",
        "json_url": "https://lendb.ai/lo/cade-nichols-120522.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": [
          "LA"
        ],
        "licenses": [
          {
            "state": "LA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://assurancemortgage.com/assurance_officers/cade-nichols/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Baton Rouge, LA",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/cade-nichols-120522",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/cade-nichols/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 44,
      "loan_officer": {
        "nmls_id": 932098,
        "slug": "marlee-duthu-932098",
        "full_name": "Marlee Duthu",
        "canonical_url": "https://lendb.ai/lo/marlee-duthu-932098",
        "json_url": "https://lendb.ai/lo/marlee-duthu-932098.json",
        "lender": {
          "nmls_id": 70876,
          "name": "Assurance Financial",
          "canonical_url": "https://lendb.ai/lender/assurance-financial-70876",
          "type": "imb"
        },
        "branch": {
          "city": "Houma",
          "state": "LA"
        },
        "licensed_states": [
          "LA"
        ],
        "licenses": [
          {
            "state": "LA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://assurancemortgage.com/assurance_officers/marlee-duthu/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Houma, LA",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/marlee-duthu-932098",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/marlee-duthu/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 44,
      "loan_officer": {
        "nmls_id": 2797355,
        "slug": "angie-horst-2797355",
        "full_name": "Angie Horst",
        "canonical_url": "https://lendb.ai/lo/angie-horst-2797355",
        "json_url": "https://lendb.ai/lo/angie-horst-2797355.json",
        "lender": {
          "nmls_id": 70876,
          "name": "Assurance Financial",
          "canonical_url": "https://lendb.ai/lender/assurance-financial-70876",
          "type": "imb"
        },
        "branch": {
          "city": "Shreveport",
          "state": "LA"
        },
        "licensed_states": [
          "LA"
        ],
        "licenses": [
          {
            "state": "LA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://assurancemortgage.com/assurance_officers/angelia-horst/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Shreveport, LA",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/angie-horst-2797355",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/angelia-horst/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 11,
      "score": 43.5,
      "loan_officer": {
        "nmls_id": 2096232,
        "slug": "rutherford-yeates-2096232",
        "full_name": "Rutherford Yeates",
        "canonical_url": "https://lendb.ai/lo/rutherford-yeates-2096232",
        "json_url": "https://lendb.ai/lo/rutherford-yeates-2096232.json",
        "lender": {
          "nmls_id": 70876,
          "name": "Assurance Financial",
          "canonical_url": "https://lendb.ai/lender/assurance-financial-70876",
          "type": "imb"
        },
        "branch": {
          "city": "Birmingham",
          "state": "AL"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "AR",
          "CA",
          "GA",
          "KY",
          "LA",
          "MS",
          "NC",
          "OK",
          "SC",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "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": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://assurancemortgage.com/assurance_officers/ryeates/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/rutherford-yeates-2096232",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/ryeates/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 12,
      "score": 43,
      "loan_officer": {
        "nmls_id": 1911320,
        "slug": "shannon-rasbury-1911320",
        "full_name": "Shannon Rasbury",
        "canonical_url": "https://lendb.ai/lo/shannon-rasbury-1911320",
        "json_url": "https://lendb.ai/lo/shannon-rasbury-1911320.json",
        "lender": {
          "nmls_id": 64997,
          "name": "GMFS Mortgage",
          "canonical_url": "https://lendb.ai/lender/gmfs-mortgage-64997",
          "type": "imb"
        },
        "branch": {
          "city": "Prairieville",
          "state": "LA"
        },
        "licensed_states": [
          "LA"
        ],
        "licenses": [
          {
            "state": "LA",
            "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": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://gmfsmortgage.com/loan-officers/shannon-rasbury/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Prairieville, LA",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/shannon-rasbury-1911320",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/shannon-rasbury/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 13,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 193246,
        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
        "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "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": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-holmes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://nfmlending.com/loanoriginator/kevin-holmes/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 14,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 1267450,
        "slug": "jimmy-mcfarland-1267450",
        "full_name": "Jimmy McFarland",
        "canonical_url": "https://lendb.ai/lo/jimmy-mcfarland-1267450",
        "json_url": "https://lendb.ai/lo/jimmy-mcfarland-1267450.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Little Rock",
          "state": "AR"
        },
        "licensed_states": [
          "AR",
          "LA",
          "MO",
          "TN"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "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": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/arkansas/little-rock/jimmy-mcfarland",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-10)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/jimmy-mcfarland-1267450",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/arkansas/little-rock/jimmy-mcfarland"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 15,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 2253729,
        "slug": "nicole-falgout-2253729",
        "full_name": "Nicole Falgout",
        "canonical_url": "https://lendb.ai/lo/nicole-falgout-2253729",
        "json_url": "https://lendb.ai/lo/nicole-falgout-2253729.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Bentonville",
          "state": "AR"
        },
        "licensed_states": [
          "AR",
          "LA",
          "MS"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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/ar/bentonville/nicole-falgout-830-chcfa.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicole-falgout-2253729",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA 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/ar/bentonville/nicole-falgout-830-chcfa.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 16,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 755411,
        "slug": "alice-bickham-755411",
        "full_name": "Nikkie Bickham",
        "canonical_url": "https://lendb.ai/lo/alice-bickham-755411",
        "json_url": "https://lendb.ai/lo/alice-bickham-755411.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Hughes Springs",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "LA",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-10)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/alice-bickham-755411",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/texas/hughes-springs/nikkie-bickham"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 17,
      "score": 37.5,
      "loan_officer": {
        "nmls_id": 2668136,
        "slug": "jay-styers-2668136",
        "full_name": "Jay Styers",
        "canonical_url": "https://lendb.ai/lo/jay-styers-2668136",
        "json_url": "https://lendb.ai/lo/jay-styers-2668136.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "KS",
          "LA",
          "MA",
          "MO",
          "MS",
          "NC",
          "OH",
          "OR",
          "PA",
          "RI",
          "TX",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/jay-styers",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-10)",
        "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-styers-2668136",
      "license_check": {
        "state": "LA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "LA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://www.lower.com/loan-officers/ohio/columbus/jay-styers"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 18,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 397810,
        "slug": "victoria-prosperie-397810",
        "full_name": "Victoria Prosperie",
        "canonical_url": "https://lendb.ai/lo/victoria-prosperie-397810",
        "json_url": "https://lendb.ai/lo/victoria-prosperie-397810.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Houma",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/houma/1402-st-charles-st-hla-397810",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Houma, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/victoria-prosperie-397810",
      "license_check": {
        "state": "LA",
        "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": 19,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 588502,
        "slug": "toni-banks-588502",
        "full_name": "Toni Banks",
        "canonical_url": "https://lendb.ai/lo/toni-banks-588502",
        "json_url": "https://lendb.ai/lo/toni-banks-588502.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Mandeville",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/mandeville/3500-highway-190-hla-588502",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Mandeville, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/toni-banks-588502",
      "license_check": {
        "state": "LA",
        "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": 20,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 621582,
        "slug": "paul-mouledous-621582",
        "full_name": "Paul Mouledous",
        "canonical_url": "https://lendb.ai/lo/paul-mouledous-621582",
        "json_url": "https://lendb.ai/lo/paul-mouledous-621582.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Covington",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/covington/2400-n-highway-190-hla-621582",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Covington, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/paul-mouledous-621582",
      "license_check": {
        "state": "LA",
        "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": 21,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 625065,
        "slug": "keisha-riley-625065",
        "full_name": "Keisha Riley",
        "canonical_url": "https://lendb.ai/lo/keisha-riley-625065",
        "json_url": "https://lendb.ai/lo/keisha-riley-625065.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "New Orleans",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/new-orleans/4400-general-degaulle-dr-hla-625065",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in New Orleans, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/keisha-riley-625065",
      "license_check": {
        "state": "LA",
        "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": 22,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 708059,
        "slug": "becky-gonzalez-708059",
        "full_name": "Becky Gonzalez",
        "canonical_url": "https://lendb.ai/lo/becky-gonzalez-708059",
        "json_url": "https://lendb.ai/lo/becky-gonzalez-708059.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Metairie",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/metairie/1415-metairie-rd-hla-708059",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Metairie, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/becky-gonzalez-708059",
      "license_check": {
        "state": "LA",
        "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": 23,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 786970,
        "slug": "renee-davis-786970",
        "full_name": "Renee Davis",
        "canonical_url": "https://lendb.ai/lo/renee-davis-786970",
        "json_url": "https://lendb.ai/lo/renee-davis-786970.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "New Orleans",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/new-orleans/4525-chef-menteur-hwy-hla-786970",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in New Orleans, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/renee-davis-786970",
      "license_check": {
        "state": "LA",
        "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": 24,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 1369979,
        "slug": "drew-sabin-1369979",
        "full_name": "Drew Sabin",
        "canonical_url": "https://lendb.ai/lo/drew-sabin-1369979",
        "json_url": "https://lendb.ai/lo/drew-sabin-1369979.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Baton Rouge",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/baton-rouge/9031-siegen-ln-hla-1369979",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Baton Rouge, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/drew-sabin-1369979",
      "license_check": {
        "state": "LA",
        "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": 25,
      "score": 31.7,
      "loan_officer": {
        "nmls_id": 1484916,
        "slug": "donald-burnham-1484916",
        "full_name": "Donald Burnham",
        "canonical_url": "https://lendb.ai/lo/donald-burnham-1484916",
        "json_url": "https://lendb.ai/lo/donald-burnham-1484916.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "New Orleans",
          "state": "LA"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/la/new-orleans/2200-st-charles-ave-hla-1484916",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in New Orleans, LA",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-burnham-1484916",
      "license_check": {
        "state": "LA",
        "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": []
    }
  ]
}