{
  "canonical_url": "https://lendb.ai/s/heloc/maryland",
  "summary": "As of 2026-10-09, LenDb lists 43 loan officers licensed in or based in Maryland whose lender pages show HELOC work. The top-ranked are Tom Lade (CrossCountry Mortgage, Columbus), Daniel McDermott (CrossCountry Mortgage, Montvale) and Erik Browning (CrossCountry Mortgage, Scottsdale). Ranking is lender-neutral: specialty evidence first, then a license in MD, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "heloc",
  "state": "MD",
  "total": 43,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 962607,
        "slug": "thomas-lade-962607",
        "full_name": "Tom Lade",
        "canonical_url": "https://lendb.ai/lo/thomas-lade-962607",
        "json_url": "https://lendb.ai/lo/thomas-lade-962607.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KY",
          "MD",
          "NC",
          "NV",
          "OH",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-2133/thomas-lade/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/thomas-lade-962607",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/columbus-oh-2133/thomas-lade/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 52,
      "loan_officer": {
        "nmls_id": 430030,
        "slug": "daniel-mcdermott-430030",
        "full_name": "Daniel McDermott",
        "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030",
        "json_url": "https://lendb.ai/lo/daniel-mcdermott-430030.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Montvale",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MS",
          "NC",
          "NJ",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "UT",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4328/daniel-mcdermott/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2012 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-mcdermott-430030",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/montvale-nj-4328/daniel-mcdermott/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 2264602,
        "slug": "erik-browning-2264602",
        "full_name": "Erik Browning",
        "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
        "json_url": "https://lendb.ai/lo/erik-browning-2264602.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "ID",
          "MD",
          "NC",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "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": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "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": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4538/erik-browning/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/scottsdale-az-4538/erik-browning/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 19167,
        "slug": "jared-maxwell-19167",
        "full_name": "Jared Maxwell",
        "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167",
        "json_url": "https://lendb.ai/lo/jared-maxwell-19167.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Middletown",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CT",
          "IN",
          "MA",
          "MD",
          "ME",
          "NC",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "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": "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": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/jared-maxwell",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Florida records)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jared-maxwell-19167",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/jared-maxwell"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 12319,
        "slug": "anthony-desano-12319",
        "full_name": "Anthony Desano",
        "canonical_url": "https://lendb.ai/lo/anthony-desano-12319",
        "json_url": "https://lendb.ai/lo/anthony-desano-12319.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Middletown",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MS",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NY",
          "OH",
          "PA",
          "RI",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "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": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 19,
        "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/anthony-desano",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-desano-12319",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/rhode-island/middletown/anthony-desano"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 831038,
        "slug": "susan-van-de-poll-831038",
        "full_name": "Susan van de Poll",
        "canonical_url": "https://lendb.ai/lo/susan-van-de-poll-831038",
        "json_url": "https://lendb.ai/lo/susan-van-de-poll-831038.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MD",
          "SC"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
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          "city": "Monkton",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "PA"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
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        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
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        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 27,
        "lender_profile_url": "https://crosscountrymortgage.com/monkton-md-4269/andrea-pasco/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "Office in Monkton, MD",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Florida records)",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrea-pasco-2474115",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/monkton-md-4269/andrea-pasco/"
      },
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        "heloc"
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      "rank": 20,
      "score": 28,
      "loan_officer": {
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        "slug": "anthony-strickland-184529",
        "full_name": "Anthony Strickland",
        "canonical_url": "https://lendb.ai/lo/anthony-strickland-184529",
        "json_url": "https://lendb.ai/lo/anthony-strickland-184529.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Orlando",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "MD",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/orlando-fl-4323/anthony-strickland/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD 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/anthony-strickland-184529",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/orlando-fl-4323/anthony-strickland/"
      },
      "match_status": "exact",
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      "score": 27.8,
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        "slug": "steven-slaski-141931",
        "full_name": "Steven Slaski",
        "canonical_url": "https://lendb.ai/lo/steven-slaski-141931",
        "json_url": "https://lendb.ai/lo/steven-slaski-141931.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Allentown",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "MD",
          "NC",
          "NJ",
          "NY",
          "PA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/allentown-pa-2510/steven-slaski/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-slaski-141931",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/allentown-pa-2510/steven-slaski/"
      },
      "match_status": "exact",
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        "heloc"
      ],
      "unconfirmed_specialties": []
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      "rank": 22,
      "score": 27.8,
      "loan_officer": {
        "nmls_id": 219043,
        "slug": "scott-schneiderman-219043",
        "full_name": "Scott Schneiderman",
        "canonical_url": "https://lendb.ai/lo/scott-schneiderman-219043",
        "json_url": "https://lendb.ai/lo/scott-schneiderman-219043.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
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          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "NJ",
          "NV",
          "NY",
          "OH",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
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            "state": "AK",
            "confidence": "lender_reported"
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          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "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": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "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"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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            "slug": "heloc",
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        ],
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        "licensed_since": {
          "year": 2016,
          "state": "FL"
        },
        "years_experience": 28,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3067/scott-schneiderman/",
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      },
      "reasons": [
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        "Licensed since 2016 (per Florida records)",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-schneiderman-219043",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/chicago-il-3067/scott-schneiderman/"
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      "unconfirmed_specialties": []
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      "rank": 23,
      "score": 25.3,
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        "slug": "nathan-fitzgerald-369554",
        "full_name": "Nathan Fitzgerald",
        "canonical_url": "https://lendb.ai/lo/nathan-fitzgerald-369554",
        "json_url": "https://lendb.ai/lo/nathan-fitzgerald-369554.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Orlando",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "DC",
          "DE",
          "MD",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "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"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/orlando-fl-3976/nathan-fitzgerald/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Licensed since 2022 (per Florida records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nathan-fitzgerald-369554",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/orlando-fl-3976/nathan-fitzgerald/"
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      "rank": 24,
      "score": 24.5,
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        "slug": "philip-russo-8676",
        "full_name": "Phil Russo",
        "canonical_url": "https://lendb.ai/lo/philip-russo-8676",
        "json_url": "https://lendb.ai/lo/philip-russo-8676.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
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          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MT",
          "NC",
          "NH",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "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": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-2590/philip-russo/",
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      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/philip-russo-8676",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/wayne-pa-2590/philip-russo/"
      },
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      "unconfirmed_specialties": []
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      "rank": 25,
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      "loan_officer": {
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        "slug": "christopher-keelin-63764",
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        "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764",
        "json_url": "https://lendb.ai/lo/christopher-keelin-63764.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "NJ"
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          "AL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "licenses": [
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            "state": "AL",
            "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": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "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": "MT",
            "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": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "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": "VT",
            "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": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/christopher-keelin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists HELOC on lender page (lender page, verified 2026-10-09)",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-keelin-63764",
      "license_check": {
        "state": "MD",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MD 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/denville-nj-3480/christopher-keelin/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "heloc"
      ],
      "unconfirmed_specialties": []
    }
  ]
}