{ "canonical_url": "https://lendb.ai/s/fha/vermont", "summary": "As of 2026-10-09, LenDb lists 15 loan officers licensed in or based in Vermont whose lender pages show FHA loan work. The top-ranked are Fred Damore (Fairway Independent Mortgage Corporation, Methuen), Domonique Gray (Churchill Mortgage, Brentwood) and Sarah Haberkorn (Envoy Mortgage, Dover). Ranking is lender-neutral: specialty evidence first, then a license in VT, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "fha", "state": "VT", "total": 15, "last_verified": "2026-10-09", "results": [ { "rank": 1, "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)", "VT 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": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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": 2, "score": 59.8, "loan_officer": { "nmls_id": 900558, "slug": "domonique-gray-900558", "full_name": "Domonique Gray", "canonical_url": "https://lendb.ai/lo/domonique-gray-900558", "json_url": "https://lendb.ai/lo/domonique-gray-900558.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Brentwood", "state": "TN" }, "licensed_states": [ "FL", "CO", "PA", "AL", "AR", "CA", "CT", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MD", "ME", "MI", "MN", "MO", "NC", "ND", "NV", "OH", "OR", "SD", "TN", "TX", "VA", "VT", "WA", "WV" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "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": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/domonique-gray", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "VT 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)" ], "canonical_url": "https://lendb.ai/lo/domonique-gray-900558", "license_check": { "state": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.3, "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)", "VT 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": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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": 4, "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)", "VT 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": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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": 5, "score": 30.8, "loan_officer": { "nmls_id": 474207, "slug": "david-hogan-474207", "full_name": "David Hogan", "canonical_url": "https://lendb.ai/lo/david-hogan-474207", "json_url": "https://lendb.ai/lo/david-hogan-474207.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "South Burlington", "state": "VT" }, "licensed_states": [ "VT" ], "licenses": [ { "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" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/south-burlington-vt-4579/david-hogan/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "Office in South Burlington, VT", "VT 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/david-hogan-474207", "license_check": { "state": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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/south-burlington-vt-4579/david-hogan/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 27.8, "loan_officer": { "nmls_id": 19441, "slug": "evan-kutner-19441", "full_name": "Evan Kutner", "canonical_url": "https://lendb.ai/lo/evan-kutner-19441", "json_url": "https://lendb.ai/lo/evan-kutner-19441.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Union", "state": "NJ" }, "licensed_states": [ "FL", "CO", "CT", "IL", "MA", "MD", "MN", "NJ", "NY", "PA", "VA", "VT" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "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" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3412/evan-kutner/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "VT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/evan-kutner-19441", "license_check": { "state": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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/union-nj-3412/evan-kutner/" }, "match_status": "exact", "matched_specialties": [ "fha" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 27.8, "loan_officer": { "nmls_id": 194237, "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": [ "FL", "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" }, { "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" }, { "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" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 14, "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)", "VT 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)" ], "canonical_url": "https://lendb.ai/lo/frank-cimperman-194237", "license_check": { "state": "VT", "confidence": "lender_reported", "eligible": true, "label": "VT 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": [] }, { "rank": 8, "score": 24, "loan_officer": { "nmls_id": 218530, "slug": "steven-candow-218530", "full_name": "Steven Candow", "canonical_url": "https://lendb.ai/lo/steven-candow-218530", "json_url": "https://lendb.ai/lo/steven-candow-218530.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": [ "AL", "AR", "AZ", "CA", "DC", "GA", "IA", "IL", "IN", "KS", "LA", "MD", "ME", "MI", "MS", "ND", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "PA", "SC", "TX", "VA", "VT", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 14, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/steven-candow/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists FHA loan on lender page (lender page, verified 2026-10-09)", "VT listed on their lender page (not yet checked with the state regulator; 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