{
  "canonical_url": "https://lendb.ai/s/first-time-buyer/massachusetts",
  "summary": "As of 2026-10-11, LenDb lists 199 loan officers licensed in or based in Massachusetts whose lender pages show First-time buyer work. The top-ranked are Diana Carvajal-Hirsch (First Citizens Bank, Cambridge), Fred Damore (Fairway Independent Mortgage Corporation, Methuen) and Eva S. Kokosinska (Total Mortgage Services, Auburn). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "first-time-buyer",
  "state": "MA",
  "total": 199,
  "last_verified": "2026-10-11",
  "results": [
    {
      "rank": 1,
      "score": 63,
      "loan_officer": {
        "nmls_id": 704461,
        "slug": "diana-carvajal-hirsch-704461",
        "full_name": "Diana Carvajal-Hirsch",
        "canonical_url": "https://lendb.ai/lo/diana-carvajal-hirsch-704461",
        "json_url": "https://lendb.ai/lo/diana-carvajal-hirsch-704461.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "Cambridge",
          "state": "MA"
        },
        "licensed_states": [
          "MA"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": true,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ma/cambridge/diana-carvajal-hirsch",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Cambridge, MA",
        "MA 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/diana-carvajal-hirsch-704461",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ma/cambridge/diana-carvajal-hirsch"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 4395,
        "slug": "fred-damore-4395",
        "full_name": "Fred Damore",
        "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
        "json_url": "https://lendb.ai/lo/fred-damore-4395.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Methuen",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "licenses": [
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/fred-damore-4395",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Methuen, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/fred-damore-4395"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 19571,
        "slug": "eva-kokosinska-19571",
        "full_name": "Eva S. Kokosinska",
        "canonical_url": "https://lendb.ai/lo/eva-kokosinska-19571",
        "json_url": "https://lendb.ai/lo/eva-kokosinska-19571.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Auburn",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-04-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 27,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/eva-kokosinska",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Auburn, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 10, 2024 (Florida), per state regulator",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eva-kokosinska-19571",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/eva-kokosinska"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 41008,
        "slug": "denise-peach-41008",
        "full_name": "Denise Peach",
        "canonical_url": "https://lendb.ai/lo/denise-peach-41008",
        "json_url": "https://lendb.ai/lo/denise-peach-41008.json",
        "lender": {
          "nmls_id": 2764,
          "name": "Total Mortgage Services",
          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
          "type": "imb"
        },
        "branch": {
          "city": "Leominster",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-01-25",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-peach",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Leominster, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 25, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-peach-41008",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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-peach"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 404081,
        "slug": "matthew-attaya-404081",
        "full_name": "Matthew Attaya",
        "canonical_url": "https://lendb.ai/lo/matthew-attaya-404081",
        "json_url": "https://lendb.ai/lo/matthew-attaya-404081.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "West Roxbury",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-02-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/westroxbury/matthew-attaya-492-rgmat.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in West Roxbury, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 15, 2022 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-attaya-404081",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/ma/westroxbury/matthew-attaya-492-rgmat.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 62.8,
      "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",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-02-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "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)",
        "Office in Worcester, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 9, 2017 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-rankin-490282",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/ma/worcester/chad-rankin-765-rgrra.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 848400,
        "slug": "susan-howe-848400",
        "full_name": "Susan Howe",
        "canonical_url": "https://lendb.ai/lo/susan-howe-848400",
        "json_url": "https://lendb.ai/lo/susan-howe-848400.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Foxboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IA",
          "LA",
          "MA",
          "MD",
          "NC",
          "NH",
          "NY",
          "PA",
          "RI",
          "SC"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-01-13",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/susan-howe-848400",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Foxboro, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 13, 2020 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-howe-848400",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "MA 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": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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": 15,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 205609,
        "slug": "marleen-paquette-205609",
        "full_name": "Marleen Paquette",
        "canonical_url": "https://lendb.ai/lo/marleen-paquette-205609",
        "json_url": "https://lendb.ai/lo/marleen-paquette-205609.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Manchester",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
        },
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        "lender_profile_url": "https://branches.guildmortgage.com/nh/manchester/marleen-paquette-876-rgmpa.html",
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      },
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: September 21, 2023 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/marleen-paquette-205609",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://branches.guildmortgage.com/nh/manchester/marleen-paquette-876-rgmpa.html"
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        "first-time-buyer"
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      "rank": 16,
      "score": 59.8,
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        "slug": "julie-johnson-302214",
        "full_name": "Julie Johnson",
        "canonical_url": "https://lendb.ai/lo/julie-johnson-302214",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "WA"
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          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MO",
          "MT",
          "NC",
          "NV",
          "OH",
          "OR",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
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          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "ID",
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "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"
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        "federal_registration_likely": false,
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        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
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        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5531/julie-lyon-johnson/",
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        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "MA 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/seattle-wa-5531/julie-lyon-johnson/"
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      "rank": 17,
      "score": 59.8,
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        "canonical_url": "https://lendb.ai/lo/alina-burke-509630",
        "json_url": "https://lendb.ai/lo/alina-burke-509630.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
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        "branch": {
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          "state": "ME"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
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          {
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          {
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            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2023-03-02",
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        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
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        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/alina-burke/",
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
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        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alina-burke-509630",
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        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.successmortgagepartners.com/advisor/alina-burke/"
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      "score": 59.8,
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        "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076",
        "json_url": "https://lendb.ai/lo/aaron-sanders-2555076.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "licensed_states": [
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          "CA",
          "CT",
          "GA",
          "IA",
          "IL",
          "KS",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MS",
          "NC",
          "SC",
          "TX",
          "VA",
          "WY"
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        "licenses": [
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            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
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            "confidence": "lender_reported"
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          {
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            "state": "IL",
            "confidence": "lender_reported"
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            "state": "KS",
            "confidence": "lender_reported"
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            "state": "LA",
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MS",
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "state": "WY",
            "confidence": "lender_reported"
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        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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      "rank": 19,
      "score": 57.8,
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        "full_name": "Nick Clarke",
        "canonical_url": "https://lendb.ai/lo/nicholas-clarke-998103",
        "json_url": "https://lendb.ai/lo/nicholas-clarke-998103.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "CA",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "TN",
          "TX",
          "VT"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CT",
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          {
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            "confidence": "confirmed"
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            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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            "state": "SC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "state": "TX",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "licensed_since": {
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          "state": "FL"
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      ],
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        "label": "MA 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/marshfield-ma-4852/nicholas-clarke/"
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      "score": 57.5,
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        "canonical_url": "https://lendb.ai/lo/sebastian-cordoba-1485371",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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        "languages": [
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        "specialties": [
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            "slug": "first-time-buyer",
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
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        "years_experience": 9,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/",
        "disciplinary_check": "not_checked"
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      "reasons": [
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        "Office in Lexington, MA",
        "MA 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",
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        "source_url": "https://crosscountrymortgage.com/lexington-ma-4841/sebastian-cordoba/"
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      "score": 57,
      "loan_officer": {
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        "slug": "john-astrologo-441861",
        "full_name": "John Astrologo",
        "canonical_url": "https://lendb.ai/lo/john-astrologo-441861",
        "json_url": "https://lendb.ai/lo/john-astrologo-441861.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": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IN",
          "MA",
          "MN",
          "NC",
          "NJ",
          "NY",
          "PA",
          "SC"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2022-03-22",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 16,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 22, 2022 (Florida), per state regulator",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-astrologo-441861",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/white-plains-ny-5808/john-astrologo/"
      },
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      "matched_specialties": [
        "first-time-buyer"
      ],
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    {
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      "score": 56.3,
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        "nmls_id": 1693795,
        "slug": "george-post-1693795",
        "full_name": "George Post",
        "canonical_url": "https://lendb.ai/lo/george-post-1693795",
        "json_url": "https://lendb.ai/lo/george-post-1693795.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Marshfield",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "NH",
          "RI"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2025-09-09",
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        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 7,
        "lender_profile_url": "https://crosscountrymortgage.com/marshfield-ma-4852/george-post/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Marshfield, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 9, 2025 (Florida), per state regulator",
        "States 7 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-post-1693795",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/marshfield-ma-4852/george-post/"
      },
      "match_status": "exact",
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        "first-time-buyer"
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      "score": 55.8,
      "loan_officer": {
        "nmls_id": 211115,
        "slug": "dawn-schowalter-211115",
        "full_name": "Dawn Schowalter",
        "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115",
        "json_url": "https://lendb.ai/lo/dawn-schowalter-211115.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "CA",
          "DE",
          "MA",
          "MI",
          "NM",
          "PA",
          "TX",
          "VA",
          "VT",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2015-04-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/dawn-schowalter-613-chdsc.html",
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      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: April 17, 2015 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/va/richmond/dawn-schowalter-613-chdsc.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
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      "score": 55.8,
      "loan_officer": {
        "nmls_id": 266739,
        "slug": "amy-morrill-266739",
        "full_name": "Amy Morrill",
        "canonical_url": "https://lendb.ai/lo/amy-morrill-266739",
        "json_url": "https://lendb.ai/lo/amy-morrill-266739.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Dover",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2022-03-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/amy-morrill",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-11)",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 4, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-morrill-266739",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/amy-morrill"
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      "match_status": "exact",
      "matched_specialties": [
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      "score": 55.8,
      "loan_officer": {
        "nmls_id": 1648957,
        "slug": "david-magalhaes-1648957",
        "full_name": "David Magalhaes",
        "canonical_url": "https://lendb.ai/lo/david-magalhaes-1648957",
        "json_url": "https://lendb.ai/lo/david-magalhaes-1648957.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Dartmouth",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "RI"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": {
          "date": "2020-02-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/northdartmouth/david-magalhaes-708-rgdmag.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in North Dartmouth, MA",
        "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 17, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/david-magalhaes-1648957",
      "license_check": {
        "state": "MA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MA 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/ma/northdartmouth/david-magalhaes-708-rgdmag.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
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      "unconfirmed_specialties": []
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}