{
  "canonical_url": "https://lendb.ai/s/fha/new-hampshire",
  "summary": "As of 2026-10-10, LenDb lists 57 loan officers licensed in or based in New Hampshire whose lender pages show FHA loan work. The top-ranked are Sarah Haberkorn (Envoy Mortgage, Dover), Lisa Capicchioni (Guild Mortgage, Manchester) and Tony Raby (Guild Mortgage, North Attleboro). Ranking is lender-neutral: specialty evidence first, then a license in NH, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "NH",
  "total": 57,
  "last_verified": "2026-10-10",
  "results": [
    {
      "rank": 1,
      "score": 62.3,
      "loan_officer": {
        "nmls_id": 42492,
        "slug": "sarah-haberkorn-42492",
        "full_name": "Sarah Haberkorn",
        "canonical_url": "https://lendb.ai/lo/sarah-haberkorn-42492",
        "json_url": "https://lendb.ai/lo/sarah-haberkorn-42492.json",
        "lender": {
          "nmls_id": 6666,
          "name": "Envoy Mortgage",
          "canonical_url": "https://lendb.ai/lender/envoy-mortgage-6666",
          "type": "imb"
        },
        "branch": {
          "city": "Dover",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "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": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 19,
        "lender_profile_url": "https://www.envoymortgage.com/shaberkorn/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Dover, NH",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sarah-haberkorn-42492",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.envoymortgage.com/shaberkorn/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 157850,
        "slug": "lisa-capicchioni-157850",
        "full_name": "Lisa Capicchioni",
        "canonical_url": "https://lendb.ai/lo/lisa-capicchioni-157850",
        "json_url": "https://lendb.ai/lo/lisa-capicchioni-157850.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Manchester",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/nh/manchester/lisa-capicchioni-876-rglca.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Manchester, NH",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-capicchioni-157850",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH 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/nh/manchester/lisa-capicchioni-876-rglca.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 3961,
        "slug": "anthony-raby-3961",
        "full_name": "Tony Raby",
        "canonical_url": "https://lendb.ai/lo/anthony-raby-3961",
        "json_url": "https://lendb.ai/lo/anthony-raby-3961.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Attleboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/tony-raby-112-rgara.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-raby-3961",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/ma/northattleboro/tony-raby-112-rgara.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 4395,
        "slug": "fred-damore-4395",
        "full_name": "Fred Damore",
        "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
        "json_url": "https://lendb.ai/lo/fred-damore-4395.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Methuen",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/fred-damore-4395",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH 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/fred-damore-4395"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 366451,
        "slug": "susan-mcgrath-366451",
        "full_name": "Susan McGrath",
        "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451",
        "json_url": "https://lendb.ai/lo/susan-mcgrath-366451.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "MA",
          "NC",
          "NH",
          "NJ"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 40,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/susan-mcgrath/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 40 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH 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/naples-fl-3744/susan-mcgrath/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 509630,
        "slug": "alina-burke-509630",
        "full_name": "Alina Burke",
        "canonical_url": "https://lendb.ai/lo/alina-burke-509630",
        "json_url": "https://lendb.ai/lo/alina-burke-509630.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "ME"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/alina-burke/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alina-burke-509630",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.successmortgagepartners.com/advisor/alina-burke/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 509649,
        "slug": "shannon-odom-509649",
        "full_name": "Shannon Odom",
        "canonical_url": "https://lendb.ai/lo/shannon-odom-509649",
        "json_url": "https://lendb.ai/lo/shannon-odom-509649.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Bangor",
          "state": "ME"
        },
        "licensed_states": [
          "FL",
          "CO",
          "DE",
          "KS",
          "MA",
          "MD",
          "ME",
          "MO",
          "NC",
          "NH",
          "SC",
          "VA",
          "VT"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "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.leaderonefinancial.com/mlo/shannon-odom",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH 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/shannon-odom-509649",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/shannon-odom"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 2050805,
        "slug": "natalie-malinowski-2050805",
        "full_name": "Natalie Malinowski",
        "canonical_url": "https://lendb.ai/lo/natalie-malinowski-2050805",
        "json_url": "https://lendb.ai/lo/natalie-malinowski-2050805.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Topsfield",
          "state": "MA"
        },
        "licensed_states": [
          "CT",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/topsfield-ma-4849/natalie-malinowski/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH 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/natalie-malinowski-2050805",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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        "json_url": "https://lendb.ai/lo/paula-harris-18950.json",
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        "json_url": "https://lendb.ai/lo/brandon-pratt-46922.json",
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            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH 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/adam-workman-128183",
      "license_check": {
        "state": "NH",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH 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/charlotte-nc-3503/adam-workman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
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      "score": 27.8,
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        "slug": "frank-cimperman-194237",
        "full_name": "Frank Cimperman",
        "canonical_url": "https://lendb.ai/lo/frank-cimperman-194237",
        "json_url": "https://lendb.ai/lo/frank-cimperman-194237.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": [
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          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "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": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
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        "languages": [],
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          {
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
          }
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        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/frank-cimperman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2012 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NH 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/frank-cimperman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 25,
      "score": 26.3,
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        "slug": "jason-cota-232220",
        "full_name": "Jason Cota",
        "canonical_url": "https://lendb.ai/lo/jason-cota-232220",
        "json_url": "https://lendb.ai/lo/jason-cota-232220.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Winter Park",
          "state": "FL"
        },
        "licensed_states": [
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          "AL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "NC",
          "ND",
          "NH",
          "NV",
          "OH",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 17,
        "lender_profile_url": "https://crosscountrymortgage.com/winter-park-fl-8269/jason-cota/",
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      },
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        "NH listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
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        "source_url": "https://crosscountrymortgage.com/winter-park-fl-8269/jason-cota/"
      },
      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
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  ]
}