{ "canonical_url": "https://lendb.ai/s/first-time-buyer/north-carolina", "summary": "As of 2026-10-09, LenDb lists 446 loan officers licensed in or based in North Carolina whose lender pages show First-time buyer work. The top-ranked are John Schmidlin (Guild Mortgage, High Point), Adam Workman (CrossCountry Mortgage, Charlotte) and Kim Lorenzana (Guild Mortgage, Raleigh). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "first-time-buyer", "state": "NC", "total": 446, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 69847, "slug": "john-schmidlin-69847", "full_name": "John Schmidlin", "canonical_url": "https://lendb.ai/lo/john-schmidlin-69847", "json_url": "https://lendb.ai/lo/john-schmidlin-69847.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "High Point", "state": "NC" }, "licensed_states": [ "NC", "TN", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 29, "lender_profile_url": "https://branches.guildmortgage.com/nc/highpoint/john-schmidlin-645-chjsch.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in High Point, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 29 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-schmidlin-69847", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/nc/highpoint/john-schmidlin-645-chjsch.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 128183, "slug": "adam-workman-128183", "full_name": "Adam Workman", "canonical_url": "https://lendb.ai/lo/adam-workman-128183", "json_url": "https://lendb.ai/lo/adam-workman-128183.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Charlotte", "state": "NC" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "GA", "HI", "IA", "IL", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "NC", "ND", "NE", "NH", "NJ", "NM", "NV", "NY", "OH", "OK", "PA", "RI", "SC", "SD", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Charlotte, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/adam-workman-128183", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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": 3, "score": 62.8, "loan_officer": { "nmls_id": 308713, "slug": "kimberly-lorenzana-308713", "full_name": "Kim Lorenzana", "canonical_url": "https://lendb.ai/lo/kimberly-lorenzana-308713", "json_url": "https://lendb.ai/lo/kimberly-lorenzana-308713.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Raleigh", "state": "NC" }, "licensed_states": [ "GA", "NC", "SC" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/nc/raleigh/kim-lorenzana-323-hpklor.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Raleigh, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kimberly-lorenzana-308713", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/nc/raleigh/kim-lorenzana-323-hpklor.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.8, "loan_officer": { "nmls_id": 637803, "slug": "donna-king-637803", "full_name": "Donna King", "canonical_url": "https://lendb.ai/lo/donna-king-637803", "json_url": "https://lendb.ai/lo/donna-king-637803.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Asheville", "state": "NC" }, "licensed_states": [ "NC", "SC", "TN" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://www.uhm.com/loan-officers/donna-king/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Asheville, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/donna-king-637803", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/donna-king/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 61.5, "loan_officer": { "nmls_id": 69497, "slug": "chris-beaver-69497", "full_name": "Chris Beaver", "canonical_url": "https://lendb.ai/lo/chris-beaver-69497", "json_url": "https://lendb.ai/lo/chris-beaver-69497.json", "lender": { "nmls_id": 643114, "name": "Atlantic Coast Mortgage", "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114", "type": "imb" }, "branch": { "city": "Greenville", "state": "NC" }, "licensed_states": [ "NC" ], "licenses": [ { "state": "NC", "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": 20, "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/chris-beaver/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Greenville, NC", "NC 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/chris-beaver-69497", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.atlanticcoastmortgage.com/lo/chris-beaver/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 61.5, "loan_officer": { "nmls_id": 485886, "slug": "char-lee-smith-485886", "full_name": "Char-Lee Smith", "canonical_url": "https://lendb.ai/lo/char-lee-smith-485886", "json_url": "https://lendb.ai/lo/char-lee-smith-485886.json", "lender": { "nmls_id": 643114, "name": "Atlantic Coast Mortgage", "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114", "type": "imb" }, "branch": { "city": "Huntersville", "state": "NC" }, "licensed_states": [ "NC", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "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://www.atlanticcoastmortgage.com/lo/char-lee-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Huntersville, NC", "NC 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/char-lee-smith-485886", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.atlanticcoastmortgage.com/lo/char-lee-smith/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 60.8, "loan_officer": { "nmls_id": 511771, "slug": "walter-ortiz-511771", "full_name": "Walter Ortiz", "canonical_url": "https://lendb.ai/lo/walter-ortiz-511771", "json_url": "https://lendb.ai/lo/walter-ortiz-511771.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Charlotte", "state": "NC" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/charlotte/walter-ortiz", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Charlotte, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/walter-ortiz-511771", "license_check": { "state": "NC", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 59.8, "loan_officer": { "nmls_id": 16446, "slug": "denise-panza-16446", "full_name": "Denise Panza", "canonical_url": "https://lendb.ai/lo/denise-panza-16446", "json_url": "https://lendb.ai/lo/denise-panza-16446.json", "lender": { "nmls_id": 2764, "name": "Total Mortgage Services", "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "PA", "CT", "GA", "KY", "MA", "MD", "ME", "MI", "NC", "NH", "NJ", "NV", "NY", "OH", "RI", "SC", "TN", "TX", "VA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-panza", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/denise-panza-16446", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.totalmortgage.com/bankers/denise-panza" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 59.8, "loan_officer": { "nmls_id": 101361, "slug": "scott-dunning-101361", "full_name": "Scott Dunning", "canonical_url": "https://lendb.ai/lo/scott-dunning-101361", "json_url": "https://lendb.ai/lo/scott-dunning-101361.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Midlothian", "state": "VA" }, "licensed_states": [ "NC", "SC", "VA" ], "licenses": [ { "state": "NC", "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" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-2614/scott-dunning/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC 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/scott-dunning-101361", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/midlothian-va-2614/scott-dunning/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 59.8, "loan_officer": { "nmls_id": 187129, "slug": "kenneth-byrne-187129", "full_name": "Ken Byrne", "canonical_url": "https://lendb.ai/lo/kenneth-byrne-187129", "json_url": "https://lendb.ai/lo/kenneth-byrne-187129.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Chantilly", "state": "VA" }, "licensed_states": [ "FL", "DC", "MD", "NC", "SC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 34, "lender_profile_url": "https://alcova.com/loan-officer/kbyrne/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kenneth-byrne-187129", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://alcova.com/loan-officer/kbyrne/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 59.8, "loan_officer": { "nmls_id": 216357, "slug": "joshua-penland-216357", "full_name": "Josh Penland", "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "json_url": "https://lendb.ai/lo/joshua-penland-216357.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Round Rock", "state": "TX" }, "licensed_states": [ "FL", "CO", "KS", "NC", "NM", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "CO" }, "years_experience": 23, "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Colorado records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/josh-penland-216357" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 59.8, "loan_officer": { "nmls_id": 229184, "slug": "amber-page-229184", "full_name": "Amber Page", "canonical_url": "https://lendb.ai/lo/amber-page-229184", "json_url": "https://lendb.ai/lo/amber-page-229184.json", "lender": { "nmls_id": 3182, "name": "Evergreen Home Loans", "canonical_url": "https://lendb.ai/lender/evergreen-home-loans-3182", "type": "imb" }, "branch": { "city": "Silverdale", "state": "WA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "GA", "ID", "MT", "NC", "NV", "OR", "SC", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.evergreenhomeloans.com/loan-officers/amber-page", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/amber-page-229184", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.evergreenhomeloans.com/loan-officers/amber-page" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 59.8, "loan_officer": { "nmls_id": 229964, "slug": "eric-stenger-229964", "full_name": "Eric Stenger", "canonical_url": "https://lendb.ai/lo/eric-stenger-229964", "json_url": "https://lendb.ai/lo/eric-stenger-229964.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Martinsburg", "state": "WV" }, "licensed_states": [ "FL", "PA", "MD", "NC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/wv/martinsburg/eric-stenger-348-cheste.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/eric-stenger-229964", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/wv/martinsburg/eric-stenger-348-cheste.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 59.8, "loan_officer": { "nmls_id": 267729, "slug": "michelle-greenwalt-267729", "full_name": "Michelle Greenwalt", "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729", "json_url": "https://lendb.ai/lo/michelle-greenwalt-267729.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Millersville", "state": "MD" }, "licensed_states": [ "FL", "PA", "DC", "DE", "GA", "MD", "NC", "TN", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "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": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://firsthome.com/loan-officers/michelle-greenwalt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-greenwalt-267729", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://firsthome.com/loan-officers/michelle-greenwalt/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 59.8, "loan_officer": { "nmls_id": 302214, "slug": "julie-johnson-302214", "full_name": "Julie Johnson", "canonical_url": "https://lendb.ai/lo/julie-johnson-302214", "json_url": "https://lendb.ai/lo/julie-johnson-302214.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "licensed_states": [ "FL", "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" }, { "state": "AL", "confidence": "lender_reported" }, { "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" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "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" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5531/julie-lyon-johnson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/julie-johnson-302214", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 59.8, "loan_officer": { "nmls_id": 771053, "slug": "troy-rabidoux-771053", "full_name": "Troy Rabidoux", "canonical_url": "https://lendb.ai/lo/troy-rabidoux-771053", "json_url": "https://lendb.ai/lo/troy-rabidoux-771053.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Rochester", "state": "MI" }, "licensed_states": [ "FL", "AL", "MI", "NC", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.uhm.com/loan-officers/troy-rabidoux/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC 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/troy-rabidoux-771053", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/troy-rabidoux/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 59.8, "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": 6, "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)", "NC listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/bonnie-jackson-450491", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.atlanticcoastmortgage.com/lo/bonnie-jackson/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 58.8, "loan_officer": { "nmls_id": 192106, "slug": "alex-jaffe-192106", "full_name": "Alex Jaffe", "canonical_url": "https://lendb.ai/lo/alex-jaffe-192106", "json_url": "https://lendb.ai/lo/alex-jaffe-192106.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Chevy Chase", "state": "MD" }, "licensed_states": [ "DC", "MD", "NC", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "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": 18, "lender_profile_url": "https://firsthome.com/loan-officers/alex-jaffe/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; 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Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/david-joyner-116874", "license_check": { "state": "NC", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 58.5, "loan_officer": { "nmls_id": 212834, "slug": "aerick-squier-212834", "full_name": "Aerick Squier", "canonical_url": "https://lendb.ai/lo/aerick-squier-212834", "json_url": "https://lendb.ai/lo/aerick-squier-212834.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Glendale", "state": "AZ" }, "licensed_states": [ "AZ", "CA", "NC", "TN" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "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://www.apmortgage.com/aerick-squier", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "NC 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/aerick-squier-212834", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/aerick-squier" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 58, "loan_officer": { "nmls_id": 118005, "slug": "libby-tamson-118005", "full_name": "Libby Tamson", "canonical_url": "https://lendb.ai/lo/libby-tamson-118005", "json_url": "https://lendb.ai/lo/libby-tamson-118005.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Wilmington", "state": "NC" }, "licensed_states": [ "NC", "SC" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "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": 25, "lender_profile_url": "https://www.southerntrust.com/libby-tamson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Wilmington, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/libby-tamson-118005", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.southerntrust.com/libby-tamson/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] } ] }