{
  "canonical_url": "https://lendb.ai/s/itin/arizona",
  "summary": "As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Arizona whose lender pages show ITIN borrower work. The top-ranked are Edrise Bayo (CrossCountry Mortgage, Scottsdale), Jonathan Edwards (Guild Mortgage, Greenwood Village) and Janeth Pannen (Intercap Lending). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "itin",
  "state": "AZ",
  "total": 16,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 2718591,
        "slug": "edrise-bayo-2718591",
        "full_name": "Edrise Bayo",
        "canonical_url": "https://lendb.ai/lo/edrise-bayo-2718591",
        "json_url": "https://lendb.ai/lo/edrise-bayo-2718591.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/edrise-bayo/"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "Branch in Arizona",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/edrise-bayo-2718591"
    },
    {
      "rank": 2,
      "score": 49,
      "loan_officer": {
        "nmls_id": 671258,
        "slug": "jonathan-edwards-671258",
        "full_name": "Jonathan Edwards",
        "canonical_url": "https://lendb.ai/lo/jonathan-edwards-671258",
        "json_url": "https://lendb.ai/lo/jonathan-edwards-671258.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CO",
          "IL",
          "IN",
          "KS",
          "MO",
          "TN",
          "WI",
          "WY"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/jonathan-edwards-62-chjed.html"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-edwards-671258"
    },
    {
      "rank": 3,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 1502086,
        "slug": "janeth-pannen-1502086",
        "full_name": "Janeth Pannen",
        "canonical_url": "https://lendb.ai/lo/janeth-pannen-1502086",
        "json_url": "https://lendb.ai/lo/janeth-pannen-1502086.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "IL",
          "OR",
          "WA"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/janeth-pannen/"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/janeth-pannen-1502086"
    },
    {
      "rank": 4,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 1151654,
        "slug": "samuel-bromley-1151654",
        "full_name": "Sam Bromley",
        "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654",
        "json_url": "https://lendb.ai/lo/samuel-bromley-1151654.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "KS",
          "MN",
          "MO",
          "OR",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/samuel-bromley"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654"
    },
    {
      "rank": 5,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 1180152,
        "slug": "elena-de-luz-1180152",
        "full_name": "Elena De Luz",
        "canonical_url": "https://lendb.ai/lo/elena-de-luz-1180152",
        "json_url": "https://lendb.ai/lo/elena-de-luz-1180152.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/edeluz"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "Branch in Arizona",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/elena-de-luz-1180152"
    },
    {
      "rank": 6,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 1600827,
        "slug": "joseph-valverde-1600827",
        "full_name": "Joseph ValVerde",
        "canonical_url": "https://lendb.ai/lo/joseph-valverde-1600827",
        "json_url": "https://lendb.ai/lo/joseph-valverde-1600827.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-valverde-1600827"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-valverde-1600827"
    },
    {
      "rank": 7,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 1920906,
        "slug": "andrew-zavage-1920906",
        "full_name": "Andrew Zavage",
        "canonical_url": "https://lendb.ai/lo/andrew-zavage-1920906",
        "json_url": "https://lendb.ai/lo/andrew-zavage-1920906.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "IL",
          "NV",
          "PA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "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": "itin",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/andrew-zavage"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "Branch in Arizona",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-zavage-1920906"
    },
    {
      "rank": 8,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 2005818,
        "slug": "estrella-miranda-2005818",
        "full_name": "Star Miranda",
        "canonical_url": "https://lendb.ai/lo/estrella-miranda-2005818",
        "json_url": "https://lendb.ai/lo/estrella-miranda-2005818.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "NV"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/estrella-miranda"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/estrella-miranda-2005818"
    },
    {
      "rank": 9,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 1982222,
        "slug": "denise-mcmanus-1982222",
        "full_name": "Denise McManus",
        "canonical_url": "https://lendb.ai/lo/denise-mcmanus-1982222",
        "json_url": "https://lendb.ai/lo/denise-mcmanus-1982222.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "MI",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/denise-mcmanus"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-mcmanus-1982222"
    },
    {
      "rank": 10,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 2324532,
        "slug": "john-kladis-2324532",
        "full_name": "John Kladis",
        "canonical_url": "https://lendb.ai/lo/john-kladis-2324532",
        "json_url": "https://lendb.ai/lo/john-kladis-2324532.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AZ",
          "NC",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/john-kladis-2324532"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-kladis-2324532"
    },
    {
      "rank": 11,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 2434155,
        "slug": "madhusudhan-reddy-2434155",
        "full_name": "Madhusudhan Reddy",
        "canonical_url": "https://lendb.ai/lo/madhusudhan-reddy-2434155",
        "json_url": "https://lendb.ai/lo/madhusudhan-reddy-2434155.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "San Francisco",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/madhusudhan-reddy-2434155"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/madhusudhan-reddy-2434155"
    },
    {
      "rank": 12,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 224331,
        "slug": "jeri-shoop-224331",
        "full_name": "Jeri Shoop",
        "canonical_url": "https://lendb.ai/lo/jeri-shoop-224331",
        "json_url": "https://lendb.ai/lo/jeri-shoop-224331.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CO",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "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": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/jeri-shoop"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeri-shoop-224331"
    },
    {
      "rank": 13,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 450556,
        "slug": "alexis-ramirez-450556",
        "full_name": "Alex Ramirez",
        "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556",
        "json_url": "https://lendb.ai/lo/alexis-ramirez-450556.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "HI",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": 21,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/alex-ramirez"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556"
    },
    {
      "rank": 14,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 1633658,
        "slug": "heather-ide-1633658",
        "full_name": "Heather Ide",
        "canonical_url": "https://lendb.ai/lo/heather-ide-1633658",
        "json_url": "https://lendb.ai/lo/heather-ide-1633658.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/heather-ide"
      },
      "reasons": [
        "Lists ITIN borrower on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heather-ide-1633658"
    }
  ]
}