{ "canonical_url": "https://lendb.ai/s/first-time-buyer/ohio", "summary": "As of 2026-10-09, LenDb lists 384 loan officers licensed in or based in Ohio whose lender pages show First-time buyer work. The top-ranked are Aindrea Wilder (CrossCountry Mortgage, Gahanna), Timothy Bullock (Union Home Mortgage, Akron) and Scott Dillen (Ruoff Mortgage). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "first-time-buyer", "state": "OH", "total": 384, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 132778, "slug": "aindrea-wilder-132778", "full_name": "Aindrea Wilder", "canonical_url": "https://lendb.ai/lo/aindrea-wilder-132778", "json_url": "https://lendb.ai/lo/aindrea-wilder-132778.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Gahanna", "state": "OH" }, "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/gahanna-oh-2007/aindrea-wilder/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Gahanna, OH", "OH 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/aindrea-wilder-132778", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/gahanna-oh-2007/aindrea-wilder/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 233777, "slug": "timothy-bullock-233777", "full_name": "Timothy Bullock", "canonical_url": "https://lendb.ai/lo/timothy-bullock-233777", "json_url": "https://lendb.ai/lo/timothy-bullock-233777.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Akron", "state": "OH" }, "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "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://www.uhm.com/loan-officers/tim-bullock/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Akron, OH", "OH 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/timothy-bullock-233777", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/tim-bullock/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62.3, "loan_officer": { "nmls_id": 270870, "slug": "scott-dillen-270870", "full_name": "Scott Dillen", "canonical_url": "https://lendb.ai/lo/scott-dillen-270870", "json_url": "https://lendb.ai/lo/scott-dillen-270870.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": "OH" }, "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "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": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.ruoff.com/ScottDillen", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Ohio", "OH 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/scott-dillen-270870", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/ScottDillen" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.3, "loan_officer": { "nmls_id": 832832, "slug": "lori-fetter-832832", "full_name": "Lori Fetter", "canonical_url": "https://lendb.ai/lo/lori-fetter-832832", "json_url": "https://lendb.ai/lo/lori-fetter-832832.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": "Medina", "state": "OH" }, "licensed_states": [ "FL", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 26, "lender_profile_url": "https://www.ruoff.com/LoriFetter", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Medina, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 26 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lori-fetter-832832", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/LoriFetter" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 62, "loan_officer": { "nmls_id": 281809, "slug": "laurie-mace-281809", "full_name": "Laurie Mace", "canonical_url": "https://lendb.ai/lo/laurie-mace-281809", "json_url": "https://lendb.ai/lo/laurie-mace-281809.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Akron", "state": "OH" }, "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "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://www.uhm.com/loan-officers/laurie-mace/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Akron, OH", "OH 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/laurie-mace-281809", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/laurie-mace/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 62, "loan_officer": { "nmls_id": 841734, "slug": "patrick-tuffey-841734", "full_name": "Patrick Tuffey", "canonical_url": "https://lendb.ai/lo/patrick-tuffey-841734", "json_url": "https://lendb.ai/lo/patrick-tuffey-841734.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "West Chester", "state": "OH" }, "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 24, "lender_profile_url": "https://www.uhm.com/loan-officers/patrick-tuffey/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in West Chester, OH", "OH 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/patrick-tuffey-841734", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/patrick-tuffey/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 60.5, "loan_officer": { "nmls_id": 518521, "slug": "kevin-koscinski-518521", "full_name": "Kevin Koscinski", "canonical_url": "https://lendb.ai/lo/kevin-koscinski-518521", "json_url": "https://lendb.ai/lo/kevin-koscinski-518521.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Columbus", "state": "OH" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 22, "lender_profile_url": "https://homelendingadvisor.chase.com/oh/columbus/3415-vision-drive-hla-518521", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Columbus, OH", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kevin-koscinski-518521", "license_check": { "state": "OH", "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": 60.3, "loan_officer": { "nmls_id": 488109, "slug": "greg-rose-488109", "full_name": "Greg Rose", "canonical_url": "https://lendb.ai/lo/greg-rose-488109", "json_url": "https://lendb.ai/lo/greg-rose-488109.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lancaster", "state": "OH" }, "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "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": 15, "lender_profile_url": "https://crosscountrymortgage.com/lancaster-oh-2092/gregori-rose/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Lancaster, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/greg-rose-488109", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/lancaster-oh-2092/gregori-rose/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 60.3, "loan_officer": { "nmls_id": 1827138, "slug": "bonny-reynolds-1827138", "full_name": "Bonny Reynolds", "canonical_url": "https://lendb.ai/lo/bonny-reynolds-1827138", "json_url": "https://lendb.ai/lo/bonny-reynolds-1827138.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cleveland", "state": "OH" }, "licensed_states": [ "KY", "OH" ], "licenses": [ { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2038/bonny-reynolds/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Cleveland, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/bonny-reynolds-1827138", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/cleveland-oh-2038/bonny-reynolds/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 59.8, "loan_officer": { "nmls_id": 3364, "slug": "jeremy-wetzel-3364", "full_name": "Jeremy Wetzel", "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Louisville", "state": "KY" }, "licensed_states": [ "FL", "CA", "GA", "ID", "IL", "IN", "KY", "OH", "TN", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/louisville-ky-2905/jeremy-wetzel/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 11, "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)", "OH 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": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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": 12, "score": 59.8, "loan_officer": { "nmls_id": 113814, "slug": "mark-harris-113814", "full_name": "Mark Harris", "canonical_url": "https://lendb.ai/lo/mark-harris-113814", "json_url": "https://lendb.ai/lo/mark-harris-113814.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "San Antonio", "state": "TX" }, "licensed_states": [ "OH", "TX" ], "licenses": [ { "state": "OH", "confidence": "lender_reported" }, { "state": "TX", "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://branches.guildmortgage.com/tx/sanantonio/mark-harris-526-apmhar.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/andrew-dicarlo-2488670", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/fort-walton-beach-fl-4381/andrew-dicarlo/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 59.3, "loan_officer": { "nmls_id": 229643, "slug": "cori-drudge-229643", "full_name": "Cori Drudge", "canonical_url": "https://lendb.ai/lo/cori-drudge-229643", "json_url": "https://lendb.ai/lo/cori-drudge-229643.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": "Fishers", "state": "IN" }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 27, "lender_profile_url": "https://www.ruoff.com/CoriDrudge", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 27 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cori-drudge-229643", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/CoriDrudge" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 58.8, "loan_officer": { "nmls_id": 124792, "slug": "adam-garman-124792", "full_name": "Adam Garman", "canonical_url": "https://lendb.ai/lo/adam-garman-124792", "json_url": "https://lendb.ai/lo/adam-garman-124792.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://www.ruoff.com/AdamGarman", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/adam-garman-124792", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/AdamGarman" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 58.3, "loan_officer": { "nmls_id": 210381, "slug": "craig-cusick-210381", "full_name": "Craig Cusick", "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "json_url": "https://lendb.ai/lo/craig-cusick-210381.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [ "FL", "CO", "IN", "MO", "OH", "OR", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.fairway.com/lo/craig-cusick-210381", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/craig-cusick-210381" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 58.3, "loan_officer": { "nmls_id": 279665, "slug": "sheri-watkins-279665", "full_name": "Sheri Watkins", "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "json_url": "https://lendb.ai/lo/sheri-watkins-279665.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "TN", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "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": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/SheriWatkins", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/SheriWatkins" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 57.8, "loan_officer": { "nmls_id": 153808, "slug": "katie-lawrence-153808", "full_name": "Katie Lawrence", "canonical_url": "https://lendb.ai/lo/katie-lawrence-153808", "json_url": "https://lendb.ai/lo/katie-lawrence-153808.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Brighton", "state": "MI" }, "licensed_states": [ "FL", "MI", "NC", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "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": 30, "lender_profile_url": "https://www.uhm.com/loan-officers/katie-lawrence/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/katie-lawrence-153808", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/katie-lawrence/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 57.8, "loan_officer": { "nmls_id": 686541, "slug": "joseph-mcbreen-686541", "full_name": "Joe McBreen", "canonical_url": "https://lendb.ai/lo/joseph-mcbreen-686541", "json_url": "https://lendb.ai/lo/joseph-mcbreen-686541.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Michigan City", "state": "IN" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CT", "DC", "GA", "IA", "IL", "IN", "LA", "MI", "MO", "MS", "NV", "OH", "OK", "OR", "PA", "TN", "TX" ], "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" } ], "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" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 16, "lender_profile_url": "https://crosscountrymortgage.com/michigan-city-in-3031/joseph-mcbreen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OH 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/jeffrey-zulauf-18566", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/suwanee-ga-4738/jeffrey-zulauf/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] } ] }