{
  "canonical_url": "https://lendb.ai/s/first-time-buyer/connecticut",
  "summary": "As of 2026-10-11, LenDb lists 164 loan officers licensed in or based in Connecticut whose lender pages show First-time buyer work. The top-ranked are Dan L'altrella (Guild Mortgage, Shelton), Rich Vicinanza (Homestead Funding, Danbury) and Stephen Gambardella (Total Mortgage Services, Milford). Ranking is lender-neutral: specialty evidence first, then a license in CT, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "first-time-buyer",
  "state": "CT",
  "total": 164,
  "last_verified": "2026-10-11",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 133211,
        "slug": "dan-l-altrella-133211",
        "full_name": "Dan L'altrella",
        "canonical_url": "https://lendb.ai/lo/dan-l-altrella-133211",
        "json_url": "https://lendb.ai/lo/dan-l-altrella-133211.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Shelton",
          "state": "CT"
        },
        "licensed_states": [
          "CT"
        ],
        "licenses": [
          {
            "state": "CT",
            "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": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ct/shelton/dan-laltrella-24-rgdla.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Shelton, CT",
        "CT 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/dan-l-altrella-133211",
      "license_check": {
        "state": "CT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CT 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/ct/shelton/dan-laltrella-24-rgdla.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 62,
      "loan_officer": {
        "nmls_id": 58648,
        "slug": "richard-vicinanza-58648",
        "full_name": "Rich Vicinanza",
        "canonical_url": "https://lendb.ai/lo/richard-vicinanza-58648",
        "json_url": "https://lendb.ai/lo/richard-vicinanza-58648.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
          "city": "Danbury",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CT",
          "NY"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-04-07",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/rich-vicinanza",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Danbury, CT",
        "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 7, 2022 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-vicinanza-58648",
      "license_check": {
        "state": "CT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.homesteadfunding.com/loan-originators/rich-vicinanza"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 60.3,
      "loan_officer": {
        "nmls_id": 1997649,
        "slug": "stephen-gambardella-1997649",
        "full_name": "Stephen Gambardella",
        "canonical_url": "https://lendb.ai/lo/stephen-gambardella-1997649",
        "json_url": "https://lendb.ai/lo/stephen-gambardella-1997649.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Milford",
          "state": "CT"
        },
        "licensed_states": [
          "CT"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/stephen-gambardella",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Milford, CT",
        "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/stephen-gambardella-1997649",
      "license_check": {
        "state": "CT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.totalmortgage.com/bankers/stephen-gambardella"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 16446,
        "slug": "denise-panza-16446",
        "full_name": "Denise Panza",
        "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
        "json_url": "https://lendb.ai/lo/denise-panza-16446.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "PA",
          "CT",
          "GA",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NH",
          "NJ",
          "NV",
          "NY",
          "OH",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-02-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-panza",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 10, 2011 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
      "license_check": {
        "state": "CT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.totalmortgage.com/bankers/denise-panza"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 128183,
        "slug": "adam-workman-128183",
        "full_name": "Adam Workman",
        "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
        "json_url": "https://lendb.ai/lo/adam-workman-128183.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "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": "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": "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": "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": "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"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-11-09",
          "state": "FL"
        },
        "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 First-time buyer on lender page (lender page, verified 2026-10-09)",
        "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 9, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
      "license_check": {
        "state": "CT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CT 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": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 490282,
        "slug": "robert-rankin-490282",
        "full_name": "Chad Rankin",
        "canonical_url": "https://lendb.ai/lo/robert-rankin-490282",
        "json_url": "https://lendb.ai/lo/robert-rankin-490282.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Worcester",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "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": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "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": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
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          "SC"
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          "MA",
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            "confidence": "lender_reported"
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        "licenses": [
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          {
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            "state": "NH",
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            "state": "AZ",
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          {
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          {
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          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "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"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          "state": "FL"
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      "score": 57,
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "CT",
          "IN",
          "MA",
          "MN",
          "NC",
          "NJ",
          "NY",
          "PA",
          "SC"
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            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "MA",
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          {
            "state": "NY",
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            "confidence": "confirmed"
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        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/"
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        "canonical_url": "https://lendb.ai/lo/brandon-parenti-1187141",
        "json_url": "https://lendb.ai/lo/brandon-parenti-1187141.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "CT"
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          "FL",
          "CT",
          "MA",
          "MD",
          "NC",
          "NH"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
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        "licensed_since": {
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          "state": "FL"
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Prospect, CT",
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        "json_url": "https://lendb.ai/lo/charles-puleri-54667.json",
        "lender": {
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          "CT",
          "GA",
          "IN",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "VA",
          "WA"
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            "confidence": "lender_reported"
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          {
            "state": "CT",
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            "state": "NJ",
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            "state": "SC",
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        "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361",
        "json_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361.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": "PA"
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        "licensed_states": [
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          "CT",
          "DE",
          "MD",
          "NJ",
          "PA",
          "SC"
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        "licenses": [
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
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            "state": "PA",
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          "state": "FL"
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "TN",
          "TX",
          "VT"
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            "confidence": "lender_reported"
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            "state": "CT",
            "confidence": "lender_reported"
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            "state": "FL",
            "confidence": "confirmed"
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            "state": "MA",
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            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "licensed_since": {
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          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
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          "CA",
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          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "OR",
          "PA",
          "VA"
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        "licenses": [
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            "state": "AR",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CA",
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            "state": "IL",
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
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        "source_url": "https://www.churchillmortgage.com/loan-officers/yanni-stefanidis"
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      "rank": 20,
      "score": 54.5,
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        "slug": "sebastian-cordoba-1485371",
        "full_name": "Sebastian Cordoba",
        "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
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        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
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          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
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        ],
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        "languages": [
          "es"
        ],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 9,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 2, 2026 (Florida), per state regulator",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
      "license_check": {
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        "eligible": true,
        "label": "CT 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/lexington-ma-4841/sebastian-cordoba/"
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      "score": 54.3,
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        "slug": "john-healy-1028904",
        "full_name": "Jake Healy",
        "canonical_url": "https://lendb.ai/lo/john-healy-1028904",
        "json_url": "https://lendb.ai/lo/john-healy-1028904.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "CT",
          "GA",
          "MA",
          "NJ",
          "NY",
          "VA"
        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        ],
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        },
        "licensed_since": {
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/john-healy/",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 3, 2017 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/john-healy-1028904",
      "license_check": {
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      "score": 53.8,
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        "slug": "david-bottone-16414",
        "full_name": "David Bottone",
        "canonical_url": "https://lendb.ai/lo/david-bottone-16414",
        "json_url": "https://lendb.ai/lo/david-bottone-16414.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
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          "state": "RI"
        },
        "licensed_states": [
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          "CT",
          "MA",
          "NH",
          "RI"
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        "licenses": [
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
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        "earliest_license_record": {
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://branches.guildmortgage.com/ri/warwick/david-bottone-889-rgdbot.html",
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        "Earliest state license record: June 27, 2018 (Florida), per state regulator"
      ],
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        "source_url": "https://branches.guildmortgage.com/ri/warwick/david-bottone-889-rgdbot.html"
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      "score": 53.3,
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        "json_url": "https://lendb.ai/lo/richard-breed-704369.json",
        "lender": {
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          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
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        "branch": {
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          "state": "CT"
        },
        "licensed_states": [
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          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "VT"
        ],
        "licenses": [
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            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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            "state": "VT",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
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        "earliest_license_record": {
          "date": "2021-02-12",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/richard-breed",
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      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in West Hartford, CT",
        "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 12, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-breed-704369",
      "license_check": {
        "state": "CT",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "CT listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.totalmortgage.com/bankers/richard-breed"
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      "matched_specialties": [
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      "score": 53.3,
      "loan_officer": {
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        "canonical_url": "https://lendb.ai/lo/george-post-1693795",
        "json_url": "https://lendb.ai/lo/george-post-1693795.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "MA"
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        "licensed_states": [
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          "CT",
          "MA",
          "NH",
          "RI"
        ],
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
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          },
          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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        },
        "licensed_since": {
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          "state": "FL"
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        "years_experience": 7,
        "lender_profile_url": "https://crosscountrymortgage.com/marshfield-ma-4852/george-post/",
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      },
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        "States 7 years of experience (lender page, 2026-10-09)"
      ],
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      "score": 52.8,
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        "full_name": "Linda P. Fay",
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
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        "licensed_states": [
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        "languages": [],
        "specialties": [
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://www.fairway.com/lo/linda-fay-93999",
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        "source_url": "https://www.fairway.com/lo/linda-fay-93999"
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}