{
  "canonical_url": "https://lendb.ai/s/fha/wyoming",
  "summary": "As of 2026-10-09, LenDb lists 34 loan officers licensed in or based in Wyoming whose lender pages show FHA loan work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Evan Luchaco (Churchill Mortgage, Portland) and Angie Pyle (Guild Mortgage, Casper). Ranking is lender-neutral: specialty evidence first, then a license in WY, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "WY",
  "total": 34,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 533656,
        "slug": "sandra-lutz-533656",
        "full_name": "Sandee Lutz",
        "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
        "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Romeo",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "ND",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "WY 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": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 887608,
        "slug": "evan-luchaco-887608",
        "full_name": "Evan Luchaco",
        "canonical_url": "https://lendb.ai/lo/evan-luchaco-887608",
        "json_url": "https://lendb.ai/lo/evan-luchaco-887608.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "licensed_states": [
          "CO",
          "AK",
          "AZ",
          "CA",
          "IA",
          "ID",
          "MT",
          "NE",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "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"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "CO"
        },
        "years_experience": 12,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/evan-luchaco",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Colorado records)",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/evan-luchaco-887608",
      "license_check": {
        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY 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/evan-luchaco"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 441732,
        "slug": "angie-pyle-441732",
        "full_name": "Angie Pyle",
        "canonical_url": "https://lendb.ai/lo/angie-pyle-441732",
        "json_url": "https://lendb.ai/lo/angie-pyle-441732.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Casper",
          "state": "WY"
        },
        "licensed_states": [
          "WY"
        ],
        "licenses": [
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wy/casper/angie-pyle-500-chapy.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Casper, WY",
        "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/angie-pyle-441732",
      "license_check": {
        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY 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/wy/casper/angie-pyle-500-chapy.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1832068,
        "slug": "tyler-rowland-1832068",
        "full_name": "Tyler Rowland",
        "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068",
        "json_url": "https://lendb.ai/lo/tyler-rowland-1832068.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Cedar City",
          "state": "UT"
        },
        "licensed_states": [
          "CO",
          "CA",
          "ID",
          "NV",
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": 6,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Colorado records)",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tyler-rowland-1832068",
      "license_check": {
        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/tyler-rowland/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 52,
      "loan_officer": {
        "nmls_id": 649456,
        "slug": "lenae-vandegrift-649456",
        "full_name": "Lenae Vandegrift",
        "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
        "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2016 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
      "license_check": {
        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/lenae-vandegrift"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 262718,
        "slug": "brad-mabey-262718",
        "full_name": "Brad Mabey",
        "canonical_url": "https://lendb.ai/lo/brad-mabey-262718",
        "json_url": "https://lendb.ai/lo/brad-mabey-262718.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Spanish Fork",
          "state": "UT"
        },
        "licensed_states": [
          "ID",
          "NV",
          "SC",
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "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"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/spanishfork/brad-mabey-161-hpbma.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "WY 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/brad-mabey-262718",
      "license_check": {
        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY 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/ut/spanishfork/brad-mabey-161-hpbma.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "fha"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 639380,
        "slug": "ashlie-roe-639380",
        "full_name": "Ashlie Roe",
        "canonical_url": "https://lendb.ai/lo/ashlie-roe-639380",
        "json_url": "https://lendb.ai/lo/ashlie-roe-639380.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Eden",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "ID",
          "MT",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
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          "MD",
          "ME",
          "MI",
          "MT",
          "NC",
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          {
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            "confidence": "confirmed"
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            "state": "VA",
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        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
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        "branch": {
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          "state": "OR"
        },
        "licensed_states": [
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          "CA",
          "CO",
          "ID",
          "MN",
          "MT",
          "OR",
          "TX",
          "WA",
          "WY"
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          {
            "state": "CA",
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
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          {
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          {
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          {
            "state": "MT",
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          {
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          {
            "state": "TX",
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            "state": "WA",
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            "slug": "dscr",
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        "States 30 years of experience (lender page, 2026-10-09)"
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        "lender": {
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          "WY"
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        "lender_profile_url": "https://branches.guildmortgage.com/co/boulder/olivia-noel-greer-296-chono.html",
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          "state": "OH"
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          "DC",
          "DE",
          "GA",
          "HI",
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          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
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          "OK",
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          "PA",
          "RI",
          "SC",
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          "TN",
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            "state": "CA",
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          {
            "state": "CO",
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "languages": [],
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/frank-cimperman/",
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      "reasons": [
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        "States 20 years of experience (lender page, 2026-10-09)"
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        "label": "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/cleveland-oh-2131/frank-cimperman/"
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      "score": 27.8,
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        "json_url": "https://lendb.ai/lo/gavin-ekstrom-220170.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "CO"
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        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "CT",
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          "IA",
          "IL",
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          "MN",
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          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
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            "confidence": "lender_reported"
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "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": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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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",
            "confidence": "lender_reported"
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          {
            "state": "KS",
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            "state": "KY",
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            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NC",
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          {
            "state": "ND",
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          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "state": "NM",
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          {
            "state": "NV",
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "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"
          },
          {
            "state": "TX",
            "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": "va",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-5107/gavin-ekstrom/",
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      },
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        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "WY listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2007 (per Colorado records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
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        "state": "WY",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY 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/greenwood-village-co-5107/gavin-ekstrom/"
      },
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      "score": 27.8,
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        "slug": "marylee-gilchrist-242466",
        "full_name": "Marylee Gilchrist",
        "canonical_url": "https://lendb.ai/lo/marylee-gilchrist-242466",
        "json_url": "https://lendb.ai/lo/marylee-gilchrist-242466.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cottonwood Heights",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "ID",
          "NV",
          "TX",
          "UT",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": {
          "year": 2012,
          "state": "CO"
        },
        "years_experience": 41,
        "lender_profile_url": "https://crosscountrymortgage.com/cottonwood-heights-ut-4364/marylee-gilchrist/",
        "disciplinary_check": "not_checked"
      },
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        "Licensed since 2012 (per Colorado records)",
        "States 41 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/marylee-gilchrist-242466",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY 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/cottonwood-heights-ut-4364/marylee-gilchrist/"
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        "full_name": "Anthony Soss",
        "canonical_url": "https://lendb.ai/lo/anthony-soss-130763",
        "json_url": "https://lendb.ai/lo/anthony-soss-130763.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "IA",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "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": "HI",
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          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
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            "state": "MI",
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            "state": "MO",
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          {
            "state": "NC",
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            "confidence": "lender_reported"
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            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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          {
            "state": "WY",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        ],
        "years_licensed": 13,
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/anthony-soss/",
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      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
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        "Licensed since 2013 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-soss-130763",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "WY 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-2036/anthony-soss/"
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        "canonical_url": "https://lendb.ai/lo/george-harsh-237004",
        "json_url": "https://lendb.ai/lo/george-harsh-237004.json",
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            "confidence": "lender_reported"
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            "state": "KS",
            "confidence": "lender_reported"
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            "state": "MI",
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            "state": "MN",
            "confidence": "lender_reported"
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            "state": "MO",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "NE",
            "confidence": "lender_reported"
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            "state": "NJ",
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          {
            "state": "NM",
            "confidence": "lender_reported"
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            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
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            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          "state": "CO"
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      ],
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        "source_url": "https://crosscountrymortgage.com/houston-tx-6820/george-harsh/"
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      "score": 23,
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        "full_name": "Betsy Santellano",
        "canonical_url": "https://lendb.ai/lo/elizabeth-santellano-493899",
        "json_url": "https://lendb.ai/lo/elizabeth-santellano-493899.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "IL"
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            "confidence": "lender_reported"
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            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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            "state": "OR",
            "confidence": "lender_reported"
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            "state": "SC",
            "confidence": "lender_reported"
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            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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            "state": "WV",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/deerfield-il-7102/elizabeth-santellano/",
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        "Licensed since 2014 (per Florida records)"
      ],
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        "source_url": "https://crosscountrymortgage.com/deerfield-il-7102/elizabeth-santellano/"
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        "canonical_url": "https://lendb.ai/lo/ashley-little-crow-2274096",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "MI",
          "SD",
          "WY"
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          {
            "state": "MI",
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            "state": "SD",
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        "federal_registration_likely": false,
        "languages": [],
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            "slug": "fha",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "CO"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/casper-wy-6603/ashley-little-crow/",
        "disciplinary_check": "not_checked"
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        "Licensed since 2023 (per Colorado records)"
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}