{
  "canonical_url": "https://lendb.ai/s/first-time-buyer/illinois",
  "summary": "As of 2026-10-09, LenDb lists 422 loan officers licensed in or based in Illinois whose lender pages show First-time buyer work. The top-ranked are Kim Martorano (Guild Mortgage, Chicago), Michael E Vogt (Guild Mortgage, Swansea) and Daniel Kozor (LeaderOne Financial, Oak Brook). Ranking is lender-neutral: specialty evidence first, then a license in IL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "first-time-buyer",
  "state": "IL",
  "total": 422,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 225229,
        "slug": "kim-martorano-225229",
        "full_name": "Kim Martorano",
        "canonical_url": "https://lendb.ai/lo/kim-martorano-225229",
        "json_url": "https://lendb.ai/lo/kim-martorano-225229.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "IL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/il/chicago/kim-martorano-262-ctkm.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-martorano-225229"
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 275381,
        "slug": "michael-e-vogt-275381",
        "full_name": "Michael E Vogt",
        "canonical_url": "https://lendb.ai/lo/michael-e-vogt-275381",
        "json_url": "https://lendb.ai/lo/michael-e-vogt-275381.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Swansea",
          "state": "IL"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/il/swansea/michael-vogt-768-cnmvo.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "15 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-e-vogt-275381"
    },
    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 294902,
        "slug": "daniel-kozor-294902",
        "full_name": "Daniel Kozor",
        "canonical_url": "https://lendb.ai/lo/daniel-kozor-294902",
        "json_url": "https://lendb.ai/lo/daniel-kozor-294902.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "IL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 40,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/daniel-kozor",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "40 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-kozor-294902"
    },
    {
      "rank": 4,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 502057,
        "slug": "eric-mark-strutman-502057",
        "full_name": "Eric Mark Strutman",
        "canonical_url": "https://lendb.ai/lo/eric-mark-strutman-502057",
        "json_url": "https://lendb.ai/lo/eric-mark-strutman-502057.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chesterfield",
          "state": "MO"
        },
        "licensed_states": [
          "FL",
          "IL",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 24,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/eric-strutman-558-cnes.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "24 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-mark-strutman-502057"
    },
    {
      "rank": 5,
      "score": 57.4,
      "loan_officer": {
        "nmls_id": 650731,
        "slug": "melissa-ann-keyser-650731",
        "full_name": "Melissa Ann Keyser",
        "canonical_url": "https://lendb.ai/lo/melissa-ann-keyser-650731",
        "json_url": "https://lendb.ai/lo/melissa-ann-keyser-650731.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "St Louis",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 19,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/stlouis/melissa-keyser-379-cnmke.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "19 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/melissa-ann-keyser-650731"
    },
    {
      "rank": 6,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 133618,
        "slug": "edwin-santiago-133618",
        "full_name": "Edwin Santiago",
        "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618",
        "json_url": "https://lendb.ai/lo/edwin-santiago-133618.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "DE",
          "IN",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MS",
          "MT",
          "NC",
          "PA",
          "SC",
          "TN",
          "UT",
          "VA",
          "CA",
          "GA",
          "IL",
          "NJ",
          "NY",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-4431/edwin-santiago/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "15 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/edwin-santiago-133618"
    },
    {
      "rank": 7,
      "score": 57,
      "loan_officer": {
        "nmls_id": 543306,
        "slug": "christy-white-543306",
        "full_name": "Christy White",
        "canonical_url": "https://lendb.ai/lo/christy-white-543306",
        "json_url": "https://lendb.ai/lo/christy-white-543306.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Indianapolis",
          "state": "IN"
        },
        "licensed_states": [
          "IL",
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/in/indianapolis/christy-white-665-chchw.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "27 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/christy-white-543306"
    },
    {
      "rank": 8,
      "score": 56.8,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "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 IL (listed on lender page, verified 2026-10-09)",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364"
    },
    {
      "rank": 9,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 212085,
        "slug": "brian-sewell-212085",
        "full_name": "Brian Sewell",
        "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
        "json_url": "https://lendb.ai/lo/brian-sewell-212085.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Frankfort",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "4 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-sewell-212085"
    },
    {
      "rank": 10,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 225030,
        "slug": "dan-eltman-225030",
        "full_name": "Dan Eltman",
        "canonical_url": "https://lendb.ai/lo/dan-eltman-225030",
        "json_url": "https://lendb.ai/lo/dan-eltman-225030.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "IL",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 35,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-eltman",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "35 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dan-eltman-225030"
    },
    {
      "rank": 11,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 451818,
        "slug": "cindy-allen-451818",
        "full_name": "Cindy Allen",
        "canonical_url": "https://lendb.ai/lo/cindy-allen-451818",
        "json_url": "https://lendb.ai/lo/cindy-allen-451818.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "IL",
          "IN",
          "MI",
          "OR",
          "TN",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/cindy-allen-119-ctca.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "4 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/cindy-allen-451818"
    },
    {
      "rank": 12,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 755952,
        "slug": "jennifer-gawenda-755952",
        "full_name": "Jenn Gawenda",
        "canonical_url": "https://lendb.ai/lo/jennifer-gawenda-755952",
        "json_url": "https://lendb.ai/lo/jennifer-gawenda-755952.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "IL",
          "IN",
          "MN",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/jenn-gawenda-119-ctjga.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-gawenda-755952"
    },
    {
      "rank": 13,
      "score": 56,
      "loan_officer": {
        "nmls_id": 712709,
        "slug": "norma-queiroga-712709",
        "full_name": "Norma Queiroga",
        "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709",
        "json_url": "https://lendb.ai/lo/norma-queiroga-712709.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chesterfield",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/norma-queiroga-714-cnnwe.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "15 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709"
    },
    {
      "rank": 14,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 221065,
        "slug": "adam-miller-221065",
        "full_name": "Adam Miller",
        "canonical_url": "https://lendb.ai/lo/adam-miller-221065",
        "json_url": "https://lendb.ai/lo/adam-miller-221065.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "IA",
          "IL",
          "IN",
          "KS",
          "MI",
          "MO",
          "MS",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/adam-miller",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-miller-221065"
    },
    {
      "rank": 15,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 1576017,
        "slug": "garrett-o-neill-1576017",
        "full_name": "Garrett O'Neill",
        "canonical_url": "https://lendb.ai/lo/garrett-o-neill-1576017",
        "json_url": "https://lendb.ai/lo/garrett-o-neill-1576017.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "CA",
          "IL",
          "IN",
          "KY",
          "OR",
          "SC",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 9,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/garrett-o-neill",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/garrett-o-neill-1576017"
    },
    {
      "rank": 16,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 287395,
        "slug": "edgar-santiago-287395",
        "full_name": "Edgar Santiago",
        "canonical_url": "https://lendb.ai/lo/edgar-santiago-287395",
        "json_url": "https://lendb.ai/lo/edgar-santiago-287395.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Elgin",
          "state": "IL"
        },
        "licensed_states": [
          "IL",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/elgin-il-3074/edgardo-santiago-soldevila/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois"
      ],
      "canonical_url": "https://lendb.ai/lo/edgar-santiago-287395"
    },
    {
      "rank": 17,
      "score": 54.3,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/worcester/chad-rankin-765-rgrra.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-rankin-490282"
    },
    {
      "rank": 18,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 686541,
        "slug": "joseph-mcbreen-686541",
        "full_name": "Joe McBreen",
        "canonical_url": "https://lendb.ai/lo/joseph-mcbreen-686541",
        "json_url": "https://lendb.ai/lo/joseph-mcbreen-686541.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Michigan City",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DC",
          "GA",
          "IA",
          "IL",
          "IN",
          "LA",
          "MI",
          "MO",
          "MS",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 16,
        "lender_profile_url": "https://crosscountrymortgage.com/michigan-city-in-3031/joseph-mcbreen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-mcbreen-686541"
    },
    {
      "rank": 19,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 194181,
        "slug": "amy-goss-194181",
        "full_name": "Amy Goss",
        "canonical_url": "https://lendb.ai/lo/amy-goss-194181",
        "json_url": "https://lendb.ai/lo/amy-goss-194181.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Jacksonville",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "IL",
          "ME",
          "NC",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/nc/jacksonville/amy-goss-468-rgago.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-goss-194181"
    },
    {
      "rank": 20,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 408639,
        "slug": "sam-williams-408639",
        "full_name": "Sam Williams",
        "canonical_url": "https://lendb.ai/lo/sam-williams-408639",
        "json_url": "https://lendb.ai/lo/sam-williams-408639.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Salem",
          "state": "OR"
        },
        "licensed_states": [
          "ID",
          "IL",
          "MT",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 21,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/sam-williams",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "21 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sam-williams-408639"
    },
    {
      "rank": 21,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 18566,
        "slug": "jeffrey-zulauf-18566",
        "full_name": "Jeffrey Zulauf",
        "canonical_url": "https://lendb.ai/lo/jeffrey-zulauf-18566",
        "json_url": "https://lendb.ai/lo/jeffrey-zulauf-18566.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Suwanee",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MD",
          "MI",
          "MS",
          "NC",
          "NJ",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/suwanee-ga-4738/jeffrey-zulauf/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "7 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-zulauf-18566"
    },
    {
      "rank": 22,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 258898,
        "slug": "daniel-larkin-258898",
        "full_name": "Dan Larkin",
        "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
        "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 25,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898"
    },
    {
      "rank": 23,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 404853,
        "slug": "joanna-white-404853",
        "full_name": "Joanna White",
        "canonical_url": "https://lendb.ai/lo/joanna-white-404853",
        "json_url": "https://lendb.ai/lo/joanna-white-404853.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Arlington Heights",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MO",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 24,
        "lender_profile_url": "https://www.uhm.com/loan-officers/joanna-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "Branch in Illinois",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/joanna-white-404853"
    },
    {
      "rank": 24,
      "score": 53,
      "loan_officer": {
        "nmls_id": 256586,
        "slug": "keran-fears-256586",
        "full_name": "Keran Fears",
        "canonical_url": "https://lendb.ai/lo/keran-fears-256586",
        "json_url": "https://lendb.ai/lo/keran-fears-256586.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Hillsboro",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/keran-fears",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/keran-fears-256586"
    },
    {
      "rank": 25,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 193246,
        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
        "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-holmes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Licensed in IL (listed on lender page, verified 2026-10-09)",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246"
    }
  ]
}