{
  "canonical_url": "https://lendb.ai/s/first-time-buyer/missouri",
  "summary": "As of 2026-10-09, LenDb lists 180 loan officers licensed in or based in Missouri whose lender pages show First-time buyer work. The top-ranked are Dino Herenda (Guild Mortgage, St Louis), Scott Shafman (Guild Mortgage, Chesterfield) and Amy Jeep (Guild Mortgage, Chesterfield). Ranking is lender-neutral: specialty evidence first, then a license in MO, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "first-time-buyer",
  "state": "MO",
  "total": 180,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 236011,
        "slug": "dino-herenda-236011",
        "full_name": "Dino Herenda",
        "canonical_url": "https://lendb.ai/lo/dino-herenda-236011",
        "json_url": "https://lendb.ai/lo/dino-herenda-236011.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": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/stlouis/dino-herenda-401-cnih.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in St Louis, MO",
        "MO 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/dino-herenda-236011",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/stlouis/dino-herenda-401-cnih.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 243704,
        "slug": "scott-shafman-243704",
        "full_name": "Scott Shafman",
        "canonical_url": "https://lendb.ai/lo/scott-shafman-243704",
        "json_url": "https://lendb.ai/lo/scott-shafman-243704.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",
          "CO",
          "IL",
          "MO",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/scott-shafman-122-cnss.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Chesterfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-shafman-243704",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/chesterfield/scott-shafman-122-cnss.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 266351,
        "slug": "maureen-amelia-jeep-266351",
        "full_name": "Amy Jeep",
        "canonical_url": "https://lendb.ai/lo/maureen-amelia-jeep-266351",
        "json_url": "https://lendb.ai/lo/maureen-amelia-jeep-266351.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": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 35,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/amy-jeep-122-cnmj.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Chesterfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/maureen-amelia-jeep-266351",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/chesterfield/amy-jeep-122-cnmj.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 459164,
        "slug": "christopher-reickard-459164",
        "full_name": "Christopher Reickard",
        "canonical_url": "https://lendb.ai/lo/christopher-reickard-459164",
        "json_url": "https://lendb.ai/lo/christopher-reickard-459164.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Lee's Summit",
          "state": "MO"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "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,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/leessummit/christopher-reickard-128-hpcrei.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Lee's Summit, MO",
        "MO 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/christopher-reickard-459164",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/leessummit/christopher-reickard-128-hpcrei.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 485003,
        "slug": "megan-finn-485003",
        "full_name": "Megan Finn",
        "canonical_url": "https://lendb.ai/lo/megan-finn-485003",
        "json_url": "https://lendb.ai/lo/megan-finn-485003.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
        },
        "licensed_states": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/springfield/megan-finn-906-chmfi.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Springfield, MO",
        "MO 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/megan-finn-485003",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/springfield/megan-finn-906-chmfi.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 62.8,
      "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"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": 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)",
        "Office in Chesterfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-mark-strutman-502057",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/chesterfield/eric-strutman-558-cnes.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 1099033,
        "slug": "elizabeth-s-kullmann-1099033",
        "full_name": "Elizabeth S Kullmann",
        "canonical_url": "https://lendb.ai/lo/elizabeth-s-kullmann-1099033",
        "json_url": "https://lendb.ai/lo/elizabeth-s-kullmann-1099033.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": [
          "MO"
        ],
        "licenses": [
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/elizabeth-kullmann-122-cnek.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Chesterfield, MO",
        "MO 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/elizabeth-s-kullmann-1099033",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/chesterfield/elizabeth-kullmann-122-cnek.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 62.3,
      "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"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": 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)",
        "Office in St Louis, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/melissa-ann-keyser-650731",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/mo/stlouis/melissa-keyser-379-cnmke.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 62,
      "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"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": 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)",
        "Office in Hillsboro, MO",
        "MO 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/keran-fears-256586",
      "license_check": {
        "state": "MO",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/keran-fears"
      },
      "match_status": "exact",
      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 60.5,
      "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"
        ],
        "licenses": [
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/norma-queiroga-714-cnnwe.html",
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          "IL",
          "IN",
          "MO",
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        "States 25 years of experience (lender page, 2026-10-09)"
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          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 16,
        "lender_profile_url": "https://crosscountrymortgage.com/michigan-city-in-3031/joseph-mcbreen/",
        "disciplinary_check": "not_checked"
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        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-mcbreen-686541",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/michigan-city-in-3031/joseph-mcbreen/"
      },
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      "matched_specialties": [
        "first-time-buyer"
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      "unconfirmed_specialties": []
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      "score": 57.8,
      "loan_officer": {
        "nmls_id": 1313748,
        "slug": "mitchell-scott-1313748",
        "full_name": "Mitchell Scott",
        "canonical_url": "https://lendb.ai/lo/mitchell-scott-1313748",
        "json_url": "https://lendb.ai/lo/mitchell-scott-1313748.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
        },
        "licensed_states": [
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          "AR",
          "KY",
          "MO"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
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            "slug": "renovation",
            "evidence": "lender_page_text"
          }
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        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/springfield-mo-4430/mitchell-scott/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "Office in Springfield, MO",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mitchell-scott-1313748",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO 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/springfield-mo-4430/mitchell-scott/"
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      "matched_specialties": [
        "first-time-buyer"
      ],
      "unconfirmed_specialties": []
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      "score": 57.8,
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        "slug": "john-markman-1660491",
        "full_name": "John Markman",
        "canonical_url": "https://lendb.ai/lo/john-markman-1660491",
        "json_url": "https://lendb.ai/lo/john-markman-1660491.json",
        "lender": {
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
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          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "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": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": null,
        "years_experience": 16,
        "lender_profile_url": "https://www.fairway.com/lo/john-markman-1660491",
        "disciplinary_check": "not_checked"
      },
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        "Lists First-time buyer on lender page (lender page, verified 2026-10-09)",
        "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.fairway.com/lo/john-markman-1660491"
      },
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      "matched_specialties": [
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      "unconfirmed_specialties": []
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  ]
}