{ "canonical_url": "https://lendb.ai/s/first-time-buyer/pennsylvania", "summary": "As of 2026-10-10, LenDb lists 193 loan officers licensed in or based in Pennsylvania whose lender pages show First-time buyer work. The top-ranked are Michael Miley (CrossCountry Mortgage, Reading), Denise Panza (Total Mortgage Services, Naples) and Adam Workman (CrossCountry Mortgage, Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "first-time-buyer", "state": "PA", "total": 193, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 65.8, "loan_officer": { "nmls_id": 413510, "slug": "michael-miley-413510", "full_name": "Michael Miley", "canonical_url": "https://lendb.ai/lo/michael-miley-413510", "json_url": "https://lendb.ai/lo/michael-miley-413510.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Reading", "state": "PA" }, "licensed_states": [ "FL", "PA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/reading-pa-2586/michael-miley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Reading, PA", "Licensed in PA: confirmed with the Pennsylvania regulator (license 74685), verified 2026-10-10", "Licensed since 2022 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-miley-413510", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 74685), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "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)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 71593), verified 2026-10-10", "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": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 71593), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 3, "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)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 42807), verified 2026-10-10", "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": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 42807), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.8, "loan_officer": { "nmls_id": 137213, "slug": "kevin-berju-137213", "full_name": "Kevin Berju", "canonical_url": "https://lendb.ai/lo/kevin-berju-137213", "json_url": "https://lendb.ai/lo/kevin-berju-137213.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Moorestown", "state": "NJ" }, "licensed_states": [ "FL", "DE", "NJ", "PA" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/moorestown-nj-3425/kevin-berju/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 24352), verified 2026-10-10", "Licensed since 2018 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kevin-berju-137213", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 24352), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 62.8, "loan_officer": { "nmls_id": 146468, "slug": "robert-kaiser-146468", "full_name": "Rob Kaiser", "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "json_url": "https://lendb.ai/lo/robert-kaiser-146468.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sarasota", "state": "FL" }, "licensed_states": [ "FL", "GA", "NJ", "NY", "PA", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "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": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4194/robert-kaiser/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 27321), verified 2026-10-10", "Licensed since 2025 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-kaiser-146468", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 27321), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 62.8, "loan_officer": { "nmls_id": 210533, "slug": "ron-gosewisch-210533", "full_name": "Ron Gosewisch", "canonical_url": "https://lendb.ai/lo/ron-gosewisch-210533", "json_url": "https://lendb.ai/lo/ron-gosewisch-210533.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Haddonfield", "state": "NJ" }, "licensed_states": [ "MD", "NJ", "PA" ], "licenses": [ { "state": "MD", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://nfmlending.com/loanoriginator/ron-gosewisch/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 34216), verified 2026-10-10", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ron-gosewisch-210533", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 34216), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 62.8, "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)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 75853), verified 2026-10-10", "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": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 75853), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 62.8, "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)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), verified 2026-10-10", "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": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 32257), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 62.8, "loan_officer": { "nmls_id": 848400, "slug": "susan-howe-848400", "full_name": "Susan Howe", "canonical_url": "https://lendb.ai/lo/susan-howe-848400", "json_url": "https://lendb.ai/lo/susan-howe-848400.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Foxboro", "state": "MA" }, "licensed_states": [ "FL", "CT", "IA", "LA", "MA", "MD", "NC", "NH", "NY", "PA", "RI", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 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)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 113641), verified 2026-10-10", "Licensed since 2020 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/susan-howe-848400", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 113641), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": "https://data.pa.gov/d/tyxc-jyug" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 62.8, "loan_officer": { "nmls_id": 934863, "slug": "jason-inglish-934863", "full_name": "Jason Inglish", "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "json_url": "https://lendb.ai/lo/jason-inglish-934863.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Cumberland", "state": "MD" }, "licensed_states": [ "FL", "PA", "MD", "OH", "SC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "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" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://alcova.com/loan-officer/jinglish/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-10", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "license_check": { "state": "PA", "confidence": "confirmed", "eligible": true, "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-10", "verified_at": "2026-10-10", "source_url": 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