{ "canonical_url": "https://lendb.ai/s/first-time-buyer/florida", "summary": "As of 2026-10-09, LenDb lists 232 loan officers licensed in or based in Florida whose lender pages show First-time buyer work. The top-ranked are Denise Panza (Total Mortgage Services, Naples), Rob Kaiser (CrossCountry Mortgage, Sarasota) and Bob Smith (Guild Mortgage, Stuart). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "first-time-buyer", "state": "FL", "total": 232, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 65.8, "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": 15, "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)", "Office in Naples, FL", "Licensed in FL: confirmed with the Florida regulator (license LO2314), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/denise-panza-16446", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO2314), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 65.8, "loan_officer": { "nmls_id": 146468, "slug": "robert-kaiser-146468", "full_name": "Rob Kaiser", "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "json_url": "https://lendb.ai/lo/robert-kaiser-146468.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sarasota", "state": "FL" }, "licensed_states": [ "FL", "GA", "NJ", "NY", "PA", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4194/robert-kaiser/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Sarasota, FL", "Licensed in FL: confirmed with the Florida regulator (license LO140718), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO140718), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 65.8, "loan_officer": { "nmls_id": 518087, "slug": "robert-smith-518087", "full_name": "Bob Smith", "canonical_url": "https://lendb.ai/lo/robert-smith-518087", "json_url": "https://lendb.ai/lo/robert-smith-518087.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Stuart", "state": "FL" }, "licensed_states": [ "FL", "MI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/fl/stuart/bob-smith-221-hpbsm.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Stuart, FL", "Licensed in FL: confirmed with the Florida regulator (license LO26378), verified 2026-10-09", "Licensed since 2014 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-smith-518087", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO26378), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 65.8, "loan_officer": { "nmls_id": 519964, "slug": "juanita-biles-519964", "full_name": "Juanita Biles", "canonical_url": "https://lendb.ai/lo/juanita-biles-519964", "json_url": "https://lendb.ai/lo/juanita-biles-519964.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Gainesville", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "construction", "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": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 37, "lender_profile_url": "https://www.embracehomeloans.com/location/florida/gainesville/juanita-biles", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Gainesville, FL", "Licensed in FL: confirmed with the Florida regulator (license LO49320), verified 2026-10-09", "Licensed since 2018 (per Florida records)", "States 37 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/juanita-biles-519964", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO49320), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 65.8, "loan_officer": { "nmls_id": 2488670, "slug": "andrew-dicarlo-2488670", "full_name": "AJ DiCarlo", "canonical_url": "https://lendb.ai/lo/andrew-dicarlo-2488670", "json_url": "https://lendb.ai/lo/andrew-dicarlo-2488670.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fort Walton Beach", "state": "FL" }, "licensed_states": [ "FL", "AL", "AR", "GA", "LA", "MD", "MS", "OH", "TN", "TX", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "OH", "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": "construction", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-4381/andrew-dicarlo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Fort Walton Beach, FL", "Licensed in FL: confirmed with the Florida regulator (license LO120379), verified 2026-10-09", "Licensed since 2023 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/andrew-dicarlo-2488670", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO120379), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 65.8, "loan_officer": { "nmls_id": 2555076, "slug": "aaron-sanders-2555076", "full_name": "Aaron Sanders", "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "json_url": "https://lendb.ai/lo/aaron-sanders-2555076.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "AL", "CA", "CT", "GA", "IA", "IL", "KS", "LA", "MA", "MD", "ME", "MI", "MS", "NC", "SC", "TX", "VA", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "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": "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": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "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": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-5246/aaron-sanders/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Delray Beach, FL", "Licensed in FL: confirmed with the Florida regulator (license LO126341), verified 2026-10-09", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO126341), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 63.5, "loan_officer": { "nmls_id": 336281, "slug": "ricardo-maysonet-336281", "full_name": "Rick Maysonet", "canonical_url": "https://lendb.ai/lo/ricardo-maysonet-336281", "json_url": "https://lendb.ai/lo/ricardo-maysonet-336281.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/rick-maysonet-336281", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Florida", "Licensed in FL: confirmed with the Florida regulator (license LO4118), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ricardo-maysonet-336281", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO4118), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 63.3, "loan_officer": { "nmls_id": 369554, "slug": "nathan-fitzgerald-369554", "full_name": "Nathan Fitzgerald", "canonical_url": "https://lendb.ai/lo/nathan-fitzgerald-369554", "json_url": "https://lendb.ai/lo/nathan-fitzgerald-369554.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Orlando", "state": "FL" }, "licensed_states": [ "FL", "AZ", "CA", "DC", "DE", "MD", "NC", "NJ", "OH", "PA", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/orlando-fl-3976/nathan-fitzgerald/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Orlando, FL", "Licensed in FL: confirmed with the Florida regulator (license LO103519), verified 2026-10-09", "Licensed since 2022 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nathan-fitzgerald-369554", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO103519), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 63, "loan_officer": { "nmls_id": 286382, "slug": "barbara-dini-286382", "full_name": "Barbara Dini", "canonical_url": "https://lendb.ai/lo/barbara-dini-286382", "json_url": "https://lendb.ai/lo/barbara-dini-286382.json", "lender": { "nmls_id": 152859, "name": "Acrisure Mortgage (formerly FBC Mortgage)", "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859", "type": "imb" }, "branch": { "city": "Orlando", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://acrisuremortgage.com/bdini/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Orlando, FL", "Licensed in FL: confirmed with the Florida regulator (license LO4201), verified 2026-10-09", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/barbara-dini-286382", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO4201), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 62.8, "loan_officer": { "nmls_id": 3364, "slug": "jeremy-wetzel-3364", "full_name": "Jeremy Wetzel", "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Louisville", "state": "KY" }, "licensed_states": [ "FL", "CA", "GA", "ID", "IL", "IN", "KY", "OH", "TN", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO12097), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO12097), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 62.8, 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"state": "WV", "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": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 34, "lender_profile_url": "https://alcova.com/loan-officer/kbyrne/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO134450), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kenneth-byrne-187129", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": 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