{
  "canonical_url": "https://lendb.ai/s/foreign-national/texas",
  "summary": "As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Texas whose lender pages show Foreign national work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Antonio Gutierrez (Loan Factory) and Steve Crossman (CrossCountry Mortgage, McKinney). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "foreign-national",
  "state": "TX",
  "total": 4,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 301253,
        "slug": "eric-rosemary-301253",
        "full_name": "Eric Rosemary",
        "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
        "json_url": "https://lendb.ai/lo/eric-rosemary-301253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CT",
          "GA",
          "KY",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/boca-raton-fl-3701/eric-rosemary/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2012 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-rosemary-301253",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/boca-raton-fl-3701/eric-rosemary/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55,
      "loan_officer": {
        "nmls_id": 722537,
        "slug": "antonio-gutierrez-722537",
        "full_name": "Antonio Gutierrez",
        "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
        "json_url": "https://lendb.ai/lo/antonio-gutierrez-722537.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in Texas",
        "TX 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/antonio-gutierrez-722537",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 995551,
        "slug": "steven-crossman-995551",
        "full_name": "Steve Crossman",
        "canonical_url": "https://lendb.ai/lo/steven-crossman-995551",
        "json_url": "https://lendb.ai/lo/steven-crossman-995551.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "McKinney",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "Office in McKinney, TX",
        "TX 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/steven-crossman-995551",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/mckinney-tx-5254/steven-crossman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 45,
      "loan_officer": {
        "nmls_id": 2798052,
        "slug": "elie-smilovitz-kassin-2798052",
        "full_name": "Elie Kassin",
        "canonical_url": "https://lendb.ai/lo/elie-smilovitz-kassin-2798052",
        "json_url": "https://lendb.ai/lo/elie-smilovitz-kassin-2798052.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Miami",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/elie-kassin-2798052",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Foreign national on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/elie-smilovitz-kassin-2798052",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/elie-kassin-2798052"
      },
      "match_status": "exact",
      "matched_specialties": [
        "foreign-national"
      ],
      "unconfirmed_specialties": []
    }
  ]
}