{
  "canonical_url": "https://lendb.ai/s/investor/minnesota",
  "summary": "As of 2026-10-09, LenDb lists 45 loan officers licensed in or based in Minnesota whose lender pages show Real estate investor work. The top-ranked are Adam Workman (CrossCountry Mortgage, Charlotte), Cary Meyers (Guild Mortgage, Oswego) and Alissa Penkava (Union Home Mortgage, Albert Lea). Ranking is lender-neutral: specialty evidence first, then a license in MN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "investor",
  "state": "MN",
  "total": 45,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "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": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-11-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 9, 2020 (Florida), 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": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 584519,
        "slug": "cary-meyers-584519",
        "full_name": "Cary Meyers",
        "canonical_url": "https://lendb.ai/lo/cary-meyers-584519",
        "json_url": "https://lendb.ai/lo/cary-meyers-584519.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Oswego",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MI",
          "MN",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-11-02",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/il/oswego/cary-meyers-5-chcmey.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 2, 2020 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cary-meyers-584519",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/il/oswego/cary-meyers-5-chcmey.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 720725,
        "slug": "alissa-penkava-720725",
        "full_name": "Alissa Penkava",
        "canonical_url": "https://lendb.ai/lo/alissa-penkava-720725",
        "json_url": "https://lendb.ai/lo/alissa-penkava-720725.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Albert Lea",
          "state": "MN"
        },
        "licensed_states": [
          "IA",
          "MN"
        ],
        "licenses": [
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 12,
        "lender_profile_url": "https://www.uhm.com/loan-officers/alissa-penkava/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Albert Lea, MN",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alissa-penkava-720725",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/alissa-penkava/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 188395,
        "slug": "ian-wright-188395",
        "full_name": "Ian Wright",
        "canonical_url": "https://lendb.ai/lo/ian-wright-188395",
        "json_url": "https://lendb.ai/lo/ian-wright-188395.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "HI",
          "KS",
          "MN",
          "MO",
          "OH",
          "SD",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-05-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2017,
          "state": "CO"
        },
        "years_experience": 18,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ian-wright-188395",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 15, 2017 (Colorado), per state regulator",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ian-wright-188395",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ian-wright-188395"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 258898,
        "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": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "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": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-05-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 11, 2017 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/dan-larkin"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 1025235,
        "slug": "michael-repshas-1025235",
        "full_name": "Michael Repshas",
        "canonical_url": "https://lendb.ai/lo/michael-repshas-1025235",
        "json_url": "https://lendb.ai/lo/michael-repshas-1025235.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "McLean",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "PA",
          "MD",
          "MN",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "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": "2019-08-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://branches.guildmortgage.com/va/mclean/michael-repshas-59-chmrep.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 9, 2019 (Florida), per state regulator",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-repshas-1025235",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/mclean/michael-repshas-59-chmrep.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "investor"
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      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 56.3,
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        "slug": "maggie-mikaitis-1395394",
        "full_name": "Maggie Mikaitis",
        "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394",
        "json_url": "https://lendb.ai/lo/maggie-mikaitis-1395394.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": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WI",
          "WY"
        ],
        "licenses": [
          {
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            "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": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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          {
            "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": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "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": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-11-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 13,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-5072/maggie-mikaitis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 1, 2018 (Florida), per state regulator",
        "States 13 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/maggie-mikaitis-1395394",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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-5072/maggie-mikaitis/"
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      "match_status": "exact",
      "matched_specialties": [
        "investor"
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      "unconfirmed_specialties": []
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      "rank": 8,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 452537,
        "slug": "kristin-piatz-452537",
        "full_name": "Kristi Piatz",
        "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537",
        "json_url": "https://lendb.ai/lo/kristin-piatz-452537.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Edina",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MN",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "physician",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-05-12",
          "state": "FL"
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mn/edina/kristi-piatz-686-umkp.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Edina, MN",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 12, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kristin-piatz-452537",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/mn/edina/kristi-piatz-686-umkp.html"
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      "match_status": "exact",
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        "slug": "leslie-ferris-853139",
        "full_name": "Les Ferris",
        "canonical_url": "https://lendb.ai/lo/leslie-ferris-853139",
        "json_url": "https://lendb.ai/lo/leslie-ferris-853139.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Eden Prairie",
          "state": "MN"
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        "licensed_states": [
          "MN",
          "WI"
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        "licenses": [
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            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/eden-prairie-mn-7140/leslie-ferris-pineda/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
        "Office in Eden Prairie, MN",
        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 10, 2021 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/leslie-ferris-853139",
      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/eden-prairie-mn-7140/leslie-ferris-pineda/"
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      "rank": 10,
      "score": 54,
      "loan_officer": {
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        "slug": "kvitoslava-melnik-2316172",
        "full_name": "Kristina Melnik",
        "canonical_url": "https://lendb.ai/lo/kvitoslava-melnik-2316172",
        "json_url": "https://lendb.ai/lo/kvitoslava-melnik-2316172.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "MN",
          "SC",
          "TN",
          "WI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [
          "ru",
          "uk"
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        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 8,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-melnik",
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        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: May 30, 2025 (Florida), per state regulator",
        "States 8 years of experience (lender page, 2026-10-09)"
      ],
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      "license_check": {
        "state": "MN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN 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/kristina-melnik"
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      "score": 53.8,
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        "slug": "bridget-ische-480187",
        "full_name": "Bridget Ische",
        "canonical_url": "https://lendb.ai/lo/bridget-ische-480187",
        "json_url": "https://lendb.ai/lo/bridget-ische-480187.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
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          "state": "MN"
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        "licensed_states": [
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          "AZ",
          "IA",
          "MN",
          "SD",
          "TN",
          "WI"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mn/priorlake/bridget-ische-425-apbi.html",
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      ],
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        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://branches.guildmortgage.com/mn/priorlake/bridget-ische-425-apbi.html"
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      "score": 52.3,
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        "canonical_url": "https://lendb.ai/lo/brent-wilkerson-488734",
        "json_url": "https://lendb.ai/lo/brent-wilkerson-488734.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "WI"
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        "licensed_states": [
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          "CA",
          "CO",
          "IA",
          "MN",
          "MO",
          "NV",
          "WI"
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        "licenses": [
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "heloc",
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            "slug": "investor",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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            "slug": "fha",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
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          "state": "FL"
        },
        "licensed_since": {
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          "state": "FL"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/la-crosse-wi-5717/brent-wilkerson/",
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        "Lists Real estate investor on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: May 17, 2021 (Florida), per state regulator"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/la-crosse-wi-5717/brent-wilkerson/"
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        "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": "IL"
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          "DE",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "ME",
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          "MN",
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            "state": "AL",
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          {
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          {
            "state": "AZ",
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          {
            "state": "CA",
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            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "DE",
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            "confidence": "confirmed"
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          {
            "state": "GA",
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "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": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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        },
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          "state": "FL"
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        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 8, 2025 (Florida), per state regulator",
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      ],
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        "eligible": true,
        "label": "MN 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-3056/molly-barndt/"
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    {
      "rank": 14,
      "score": 51.8,
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        "nmls_id": 39527,
        "slug": "patrick-stoy-39527",
        "full_name": "Patrick Stoy",
        "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527",
        "json_url": "https://lendb.ai/lo/patrick-stoy-39527.json",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "state": "NC"
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          "KY",
          "MN",
          "MO",
          "MT",
          "NC",
          "NM",
          "SC",
          "VA"
        ],
        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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            "state": "MO",
            "confidence": "lender_reported"
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            "state": "NC",
            "confidence": "lender_reported"
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            "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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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/",
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        "MN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 9, 2022 (Florida), per state regulator",
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        "source_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/"
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        "canonical_url": "https://lendb.ai/lo/heath-barnes-210164",
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        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
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          "state": "TX"
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          "CO",
          "CA",
          "GA",
          "IN",
          "MN",
          "NM",
          "SC",
          "TN",
          "TX"
        ],
        "licenses": [
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            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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            "state": "SC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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        ],
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            "evidence": "lender_page_text"
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          "state": "CO"
        },
        "licensed_since": {
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          "state": "CO"
        },
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        "lender_profile_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html",
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        "Earliest state license record: September 1, 2022 (Colorado), per state regulator"
      ],
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        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html"
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      "score": 51.8,
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        "slug": "ivonne-sanchez-230204",
        "full_name": "Ivonne Sanchez",
        "canonical_url": "https://lendb.ai/lo/ivonne-sanchez-230204",
        "json_url": "https://lendb.ai/lo/ivonne-sanchez-230204.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": "IL"
        },
        "licensed_states": [
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          "IL",
          "IN",
          "MN"
        ],
        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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        ],
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        "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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        },
        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://crosscountrymortgage.com/oak-brook-il-3028/ivonne-sanchez/",
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          "NH",
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          "OK",
          "OR",
          "SC",
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          "TN",
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            "confidence": "lender_reported"
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            "state": "NM",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          "state": "CO"
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      ],
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          "DE",
          "GA",
          "IA",
          "IL",
          "KS",
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          "TN",
          "TX",
          "VA",
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        "licenses": [
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "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": "IA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
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          {
            "state": "MI",
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          {
            "state": "MO",
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "States 12 years of experience (lender page, 2026-10-09)"
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