{
  "canonical_url": "https://lendb.ai/s/fha/missouri",
  "summary": "As of 2026-10-09, LenDb lists 143 loan officers licensed in or based in Missouri whose lender pages show FHA loan work. The top-ranked are Dino Herenda (Guild Mortgage, St Louis), Sandee Lutz (CrossCountry Mortgage, Romeo) and Cameron Gemoets (CrossCountry Mortgage, Cleveland). Ranking is lender-neutral: specialty evidence first, then a license in MO, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "MO",
  "total": 143,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 236011,
        "slug": "dino-herenda-236011",
        "full_name": "Dino Herenda",
        "canonical_url": "https://lendb.ai/lo/dino-herenda-236011",
        "json_url": "https://lendb.ai/lo/dino-herenda-236011.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "St Louis",
          "state": "MO"
        },
        "licensed_states": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/stlouis/dino-herenda-401-cnih.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in St Louis, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dino-herenda-236011",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/stlouis/dino-herenda-401-cnih.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "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)",
        "MO 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": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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": 3,
      "score": 59.8,
      "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)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 58.3,
      "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)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/craig-cusick-210381"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 275381,
        "slug": "michael-e-vogt-275381",
        "full_name": "Michael E Vogt",
        "canonical_url": "https://lendb.ai/lo/michael-e-vogt-275381",
        "json_url": "https://lendb.ai/lo/michael-e-vogt-275381.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Swansea",
          "state": "IL"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/il/swansea/michael-vogt-768-cnmvo.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-e-vogt-275381",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/il/swansea/michael-vogt-768-cnmvo.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 521445,
        "slug": "darik-tolnay-521445",
        "full_name": "Darik Tolnay",
        "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445",
        "json_url": "https://lendb.ai/lo/darik-tolnay-521445.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lakewood",
          "state": "CO"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "IN",
          "KS",
          "MO",
          "NM",
          "NV",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "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"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2013 (per Colorado records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/lakewood-co-5139/darik-tolnay/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 997560,
        "slug": "tracey-radinovic-997560",
        "full_name": "Tracey Radinovic",
        "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
        "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "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": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560",
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      },
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
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      "score": 55.8,
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        "slug": "daniel-kraus-40222",
        "full_name": "Dan Kraus",
        "canonical_url": "https://lendb.ai/lo/daniel-kraus-40222",
        "json_url": "https://lendb.ai/lo/daniel-kraus-40222.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
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          "AL",
          "CA",
          "CT",
          "GA",
          "IN",
          "KS",
          "KY",
          "MA",
          "MO",
          "MS",
          "NJ",
          "OK",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "MS",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
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            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/dan-kraus",
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/dan-kraus"
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        "json_url": "https://lendb.ai/lo/domonique-gray-900558.json",
        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
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          "state": "TN"
        },
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          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WV"
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            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
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          {
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          {
            "state": "KS",
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          {
            "state": "MI",
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "VT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        ],
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 30,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/domonique-gray",
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      },
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "MO 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/domonique-gray"
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        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
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          "state": "CO"
        },
        "licensed_states": [
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          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
        ],
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            "confidence": "confirmed"
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          {
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          "state": "CO"
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        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens",
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        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/jay-garvens"
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        "canonical_url": "https://lendb.ai/lo/mary-greenwood-459324",
        "json_url": "https://lendb.ai/lo/mary-greenwood-459324.json",
        "lender": {
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          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
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          "AZ",
          "CO",
          "IA",
          "KS",
          "MO",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "licensed_since": {
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          "state": "CO"
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        "years_experience": 19,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/mary-greenwood/",
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      },
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        "Licensed since 2024 (per Colorado records)",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://nfmlending.com/loanoriginator/mary-greenwood/"
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      "score": 55.3,
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        "slug": "kyle-serrano-call-2080064",
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        "canonical_url": "https://lendb.ai/lo/kyle-serrano-call-2080064",
        "json_url": "https://lendb.ai/lo/kyle-serrano-call-2080064.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
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        "branch": {
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          "state": "MO"
        },
        "licensed_states": [
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        ],
        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "MO",
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        "languages": [],
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          {
            "slug": "jumbo",
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          },
          {
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          },
          {
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/kserrano-call",
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        "Office in Springfield, MO",
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      ],
      "canonical_url": "https://lendb.ai/lo/kyle-serrano-call-2080064",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.barrettfinancial.com/kserrano-call"
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        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
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          "state": "CA"
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        "licensed_states": [
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          "AZ",
          "CA",
          "KS",
          "MO",
          "OR",
          "TX",
          "UT",
          "WI"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/greg-brooks-610-kmgjb.html",
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      },
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        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)"
      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/ca/sandiego/greg-brooks-610-kmgjb.html"
      },
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        "json_url": "https://lendb.ai/lo/jackson-thomas-1190420.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "TX"
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          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "KS",
          "LA",
          "MA",
          "MI",
          "MO",
          "MS",
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