{
  "canonical_url": "https://lendb.ai/s/investor/maryland",
  "summary": "As of 2026-10-09, LenDb lists 87 loan officers licensed in or based in Maryland whose lender pages show Real estate investor work. The top-ranked are Trey Jones (First Home Mortgage, Bethesda), Jason Inglish (ALCOVA Mortgage, Cumberland) and Kraig Spence (Churchill Mortgage, Columbia). Ranking is lender-neutral: specialty evidence first, then a license in MD, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "investor",
  "state": "MD",
  "total": 87,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 338172,
        "slug": "trey-jones-338172",
        "full_name": "Trey Jones",
        "canonical_url": "https://lendb.ai/lo/trey-jones-338172",
        "json_url": "https://lendb.ai/lo/trey-jones-338172.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Bethesda",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://firsthome.com/loan-officers/trey-jones/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Bethesda, MD",
        "MD 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/trey-jones-338172",
      "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://firsthome.com/loan-officers/trey-jones/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "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": null,
        "earliest_license_record": {
          "date": "2022-07-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://alcova.com/loan-officer/jinglish/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Cumberland, MD",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 26, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
      "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://alcova.com/loan-officer/jinglish/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 62.3,
      "loan_officer": {
        "nmls_id": 5675,
        "slug": "kraig-spence-5675",
        "full_name": "Kraig Spence",
        "canonical_url": "https://lendb.ai/lo/kraig-spence-5675",
        "json_url": "https://lendb.ai/lo/kraig-spence-5675.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "CO",
          "PA",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "NE",
          "NJ",
          "OH",
          "SC",
          "TN",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "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": "NE",
            "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": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2007-12-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kraig-spence",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Columbia, MD",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 15, 2007 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kraig-spence-5675",
      "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.churchillmortgage.com/loan-officers/kraig-spence"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 216306,
        "slug": "mark-niosi-216306",
        "full_name": "Mark Niosi",
        "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
        "json_url": "https://lendb.ai/lo/mark-niosi-216306.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dunkirk",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "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": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-12-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/dunkirk-md-2723/mark-niosi/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Dunkirk, MD",
        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 23, 2020 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-niosi-216306",
      "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/dunkirk-md-2723/mark-niosi/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "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": "confirmed"
          },
          {
            "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": "confirmed"
          },
          {
            "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": null,
        "earliest_license_record": {
          "date": "2013-12-12",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2013,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor 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)",
        "Earliest state license record: December 12, 2013 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
      "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/charlotte-nc-3503/adam-workman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 183959,
        "slug": "john-lamorte-183959",
        "full_name": "John LaMorte",
        "canonical_url": "https://lendb.ai/lo/john-lamorte-183959",
        "json_url": "https://lendb.ai/lo/john-lamorte-183959.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-11-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 34,
        "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-3996/john-lamorte/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor 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)",
        "Earliest state license record: November 20, 2019 (Florida), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-lamorte-183959",
      "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/fairfax-va-3996/john-lamorte/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 59.8,
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        "slug": "kenneth-byrne-187129",
        "full_name": "Ken Byrne",
        "canonical_url": "https://lendb.ai/lo/kenneth-byrne-187129",
        "json_url": "https://lendb.ai/lo/kenneth-byrne-187129.json",
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          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
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          "state": "VA"
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        "licensed_states": [
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          "DC",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
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            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2025-01-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
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        "lender_profile_url": "https://alcova.com/loan-officer/kbyrne/",
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      },
      "reasons": [
        "Lists Real estate investor 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)",
        "Earliest state license record: January 9, 2025 (Florida), per state regulator",
        "States 34 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kenneth-byrne-187129",
      "license_check": {
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        "confidence": "lender_reported",
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        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://alcova.com/loan-officer/kbyrne/"
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "state": "CA"
        },
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          "CA",
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          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
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          "OK",
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          "PA",
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            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2023-09-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor 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)",
        "Earliest state license record: September 5, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
      "license_check": {
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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)",
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        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/"
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      "rank": 9,
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        "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076",
        "json_url": "https://lendb.ai/lo/aaron-sanders-2555076.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        },
        "branch": {
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        },
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          "GA",
          "IA",
          "IL",
          "KS",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MS",
          "NC",
          "SC",
          "TX",
          "VA",
          "WY"
        ],
        "licenses": [
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            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          "state": "FL"
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      "reasons": [
        "Lists Real estate investor 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)",
        "Earliest state license record: February 23, 2024 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076",
      "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/delray-beach-fl-5246/aaron-sanders/"
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      "score": 59.3,
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        "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
        "json_url": "https://lendb.ai/lo/hong-luu-185192.json",
        "lender": {
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          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
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        },
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          "DC",
          "MD",
          "NE",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
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          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NJ",
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          {
            "state": "PA",
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          {
            "state": "TX",
            "confidence": "confirmed"
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        "languages": [
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          "vi"
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        "specialties": [
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        },
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          "state": "TX"
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        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/bobby-luu",
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      "reasons": [
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        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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      "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.apmortgage.com/bobby-luu"
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      "rank": 11,
      "score": 58.8,
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        "full_name": "Sean Pierpont",
        "canonical_url": "https://lendb.ai/lo/sean-pierpont-141727",
        "json_url": "https://lendb.ai/lo/sean-pierpont-141727.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
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          "state": "MD"
        },
        "licensed_states": [
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          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
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          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://firsthome.com/loan-officers/sean-pierpont/",
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      },
      "reasons": [
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        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 9, 2019 (Florida), per state regulator",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
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        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/sean-pierpont/"
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      "score": 57.8,
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        "full_name": "Joan Kofsky",
        "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361",
        "json_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361.json",
        "lender": {
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          "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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          "CT",
          "DE",
          "MD",
          "NJ",
          "PA",
          "SC"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-10-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor 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)",
        "Earliest state license record: October 19, 2017 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361",
      "license_check": {
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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/wayne-pa-2590/joan-zeruld-kofsky/"
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      "match_status": "exact",
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      "unconfirmed_specialties": []
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      "score": 57.8,
      "loan_officer": {
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        "slug": "daniel-larkin-258898",
        "full_name": "Dan Larkin",
        "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
        "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
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          "AZ",
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          "MD",
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            "state": "NC",
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          {
            "state": "SC",
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          },
          {
            "state": "TN",
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          {
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            "confidence": "confirmed"
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          {
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        "federal_registration_likely": false,
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          {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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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": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
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          {
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          {
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          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          "date": "2025-01-08",
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        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 11,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4539/gregory-fearnley/",
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        "Lists Real estate investor 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)",
        "Earliest state license record: January 8, 2025 (Florida), per state regulator",
        "States 11 years of experience (lender page, 2026-10-09)"
      ],
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      "license_check": {
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        "eligible": true,
        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/tampa-fl-4539/gregory-fearnley/"
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        "investor"
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      "score": 54.8,
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        "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": {
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          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
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          "state": null
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          "FL",
          "CO",
          "MD",
          "SC"
        ],
        "licenses": [
          {
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            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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          {
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        },
        "licensed_since": {
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          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/susan-van-de-poll",
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        "Lists Real estate investor 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)",
        "Earliest state license record: November 1, 2006 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-van-de-poll-831038",
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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)",
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        "source_url": "https://xperthomelending.com/loan-directory/susan-van-de-poll"
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      "score": 54.8,
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        "full_name": "Yanni Stefanidis",
        "canonical_url": "https://lendb.ai/lo/ioannis-stefanidis-1725443",
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        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "OR",
          "PA",
          "VA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 10,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/yanni-stefanidis",
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        "Lists Real estate investor 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)",
        "Earliest state license record: March 27, 2026 (Florida), per state regulator",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ioannis-stefanidis-1725443",
      "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.churchillmortgage.com/loan-officers/yanni-stefanidis"
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      "score": 53.8,
      "loan_officer": {
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        "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"
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        "branch": {
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          "state": "FL"
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          "FL",
          "PA",
          "CT",
          "GA",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NH",
          "NJ",
          "NV",
          "NY",
          "OH",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "earliest_license_record": {
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 30,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/denise-panza",
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        "Earliest state license record: February 10, 2011 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-panza-16446",
      "license_check": {
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        "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.totalmortgage.com/bankers/denise-panza"
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      "score": 53.8,
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        "full_name": "Nate Vogel",
        "canonical_url": "https://lendb.ai/lo/nathaniel-vogel-1235062",
        "json_url": "https://lendb.ai/lo/nathaniel-vogel-1235062.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "NY"
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        "licensed_states": [
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          "CA",
          "CT",
          "GA",
          "MD",
          "NC",
          "NJ",
          "NY",
          "OR",
          "PA",
          "TX"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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            "confidence": "confirmed"
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            "state": "OR",
            "confidence": "lender_reported"
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/cedarhurst-ny-5659/nathaniel-vogel/",
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        "Earliest state license record: July 5, 2018 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/nathaniel-vogel-1235062",
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        "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/cedarhurst-ny-5659/nathaniel-vogel/"
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      "score": 53.8,
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        "full_name": "Corinne Spartana",
        "canonical_url": "https://lendb.ai/lo/corinne-spartana-1965019",
        "json_url": "https://lendb.ai/lo/corinne-spartana-1965019.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
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        "branch": {
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          "state": "MD"
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        "licensed_states": [
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          "DC",
          "DE",
          "LA",
          "MD",
          "PA",
          "VA",
          "GA",
          "OH"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "LA",
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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          {
            "state": "VA",
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 6,
        "lender_profile_url": "https://www.embracehomeloans.com/location/maryland/timonium/corinne-spartana",
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        "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 29, 2020 (Florida), per state regulator",
        "States 6 years of experience (lender page, 2026-10-09)"
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        "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      "score": 52.8,
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        "full_name": "Arlene Dean",
        "canonical_url": "https://lendb.ai/lo/arlene-dean-209987",
        "json_url": "https://lendb.ai/lo/arlene-dean-209987.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
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          "state": "MD"
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        "licensed_states": [
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          "MD",
          "VA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
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        "lender_profile_url": "https://firsthome.com/loan-officers/arlene-dean/",
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        "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://firsthome.com/loan-officers/arlene-dean/"
      },
      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 25,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1550584,
        "slug": "kaitlyn-linane-1550584",
        "full_name": "Kaitlyn Linane",
        "canonical_url": "https://lendb.ai/lo/kaitlyn-linane-1550584",
        "json_url": "https://lendb.ai/lo/kaitlyn-linane-1550584.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chantilly",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-12-16",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/va/chantilly/kaitlyn-linane-74-rgklin.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor 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)",
        "Earliest state license record: December 16, 2020 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kaitlyn-linane-1550584",
      "license_check": {
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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://branches.guildmortgage.com/va/chantilly/kaitlyn-linane-74-rgklin.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    }
  ]
}