{
  "canonical_url": "https://lendb.ai/s/jumbo/indiana",
  "summary": "As of 2026-10-10, LenDb lists 77 loan officers licensed in or based in Indiana whose lender pages show Jumbo loan work. The top-ranked are Jon Knight (Fairway Independent Mortgage Corporation, Carmel), Ron Riccitelli Jr (CrossCountry Mortgage, Bel Air) and Jennifer Martinez (CrossCountry Mortgage, Valrico). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "jumbo",
  "state": "IN",
  "total": 77,
  "last_verified": "2026-10-10",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 175955,
        "slug": "jon-knight-175955",
        "full_name": "Jon Knight",
        "canonical_url": "https://lendb.ai/lo/jon-knight-175955",
        "json_url": "https://lendb.ai/lo/jon-knight-175955.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Carmel",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/jon-knight-175955",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Carmel, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jon-knight-175955",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/jon-knight-175955"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 144907,
        "slug": "ron-riccitelli-jr-144907",
        "full_name": "Ron Riccitelli Jr",
        "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
        "json_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bel Air",
          "state": "MD"
        },
        "licensed_states": [
          "CO",
          "DE",
          "IN",
          "MD",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bel-air-md-2725/ronald-riccitelli-jr/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Colorado records)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/bel-air-md-2725/ronald-riccitelli-jr/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 173516,
        "slug": "jennifer-martinez-173516",
        "full_name": "Jennifer Martinez",
        "canonical_url": "https://lendb.ai/lo/jennifer-martinez-173516",
        "json_url": "https://lendb.ai/lo/jennifer-martinez-173516.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Valrico",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "IA",
          "IN",
          "MO",
          "OH",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/valrico-fl-8206/jennifer-martinez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2012 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-martinez-173516",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/valrico-fl-8206/jennifer-martinez/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 404853,
        "slug": "joanna-white-404853",
        "full_name": "Joanna White",
        "canonical_url": "https://lendb.ai/lo/joanna-white-404853",
        "json_url": "https://lendb.ai/lo/joanna-white-404853.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Arlington Heights",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MO",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.uhm.com/loan-officers/joanna-white/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joanna-white-404853",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/joanna-white/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 521445,
        "slug": "darik-tolnay-521445",
        "full_name": "Darik Tolnay",
        "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445",
        "json_url": "https://lendb.ai/lo/darik-tolnay-521445.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lakewood",
          "state": "CO"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "IN",
          "KS",
          "MO",
          "NM",
          "NV",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2013 (per Colorado records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/lakewood-co-5139/darik-tolnay/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 57,
      "loan_officer": {
        "nmls_id": 441861,
        "slug": "john-astrologo-441861",
        "full_name": "John Astrologo",
        "canonical_url": "https://lendb.ai/lo/john-astrologo-441861",
        "json_url": "https://lendb.ai/lo/john-astrologo-441861.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "White Plains",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IN",
          "MA",
          "MN",
          "NC",
          "NJ",
          "NY",
          "PA",
          "SC"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 16,
        "lender_profile_url": "https://crosscountrymortgage.com/white-plains-ny-5808/john-astrologo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-astrologo-441861",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/white-plains-ny-5808/john-astrologo/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 997560,
        "slug": "tracey-radinovic-997560",
        "full_name": "Tracey Radinovic",
        "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
        "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 203614,
        "slug": "archie-vetter-203614",
        "full_name": "Archie E. Vetter",
        "canonical_url": "https://lendb.ai/lo/archie-vetter-203614",
        "json_url": "https://lendb.ai/lo/archie-vetter-203614.json",
        "lender": {
          "nmls_id": 222982,
          "name": "Neighborhood Loans",
          "canonical_url": "https://lendb.ai/lender/neighborhood-loans-222982",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "MI",
          "MN",
          "MO",
          "NC",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "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": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://neighborhoodloans.com/archie-vetter/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-10)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/archie-vetter-203614",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-10",
        "source_url": "https://neighborhoodloans.com/archie-vetter/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 231466,
        "slug": "carol-freeman-231466",
        "full_name": "Carol Freeman",
        "canonical_url": "https://lendb.ai/lo/carol-freeman-231466",
        "json_url": "https://lendb.ai/lo/carol-freeman-231466.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/fishers-in-3826/carol-freeman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Fishers, IN",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/carol-freeman-231466",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/fishers-in-3826/carol-freeman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 1473179,
        "slug": "alexis-varga-1473179",
        "full_name": "Alexis Varga",
        "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179",
        "json_url": "https://lendb.ai/lo/alexis-varga-1473179.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",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "OR",
          "PA",
          "TN"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2016 (per Colorado records)",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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-3051/alexis-varga/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 11,
      "score": 52,
      "loan_officer": {
        "nmls_id": 142038,
        "slug": "scott-forster-142038",
        "full_name": "Scott Forster",
        "canonical_url": "https://lendb.ai/lo/scott-forster-142038",
        "json_url": "https://lendb.ai/lo/scott-forster-142038.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "CO"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/in/fishers/9820-e-116th-st-hla-142038",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Fishers, IN",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Licensed since 2023 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-forster-142038",
      "license_check": {
        "state": "IN",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 12,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 29613,
        "slug": "george-koutsos-29613",
        "full_name": "George Koutsos",
        "canonical_url": "https://lendb.ai/lo/george-koutsos-29613",
        "json_url": "https://lendb.ai/lo/george-koutsos-29613.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "IN",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "TX",
          "VA",
          "VT"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "licensed_since": {
          "year": 2013,
          "state": "FL"
        },
        "years_experience": 35,
        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4804/george-koutsos/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2013 (per Florida records)",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-koutsos-29613",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/beverly-ma-4804/george-koutsos/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 13,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 193680,
        "slug": "john-noldan-193680",
        "full_name": "John Noldan",
        "canonical_url": "https://lendb.ai/lo/john-noldan-193680",
        "json_url": "https://lendb.ai/lo/john-noldan-193680.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Elmhurst",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "OH",
          "PA",
          "TN",
          "TX",
          "VT",
          "WI"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/elmhurst-il-5190/john-noldan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-noldan-193680",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/elmhurst-il-5190/john-noldan/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 14,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 210164,
        "slug": "heath-barnes-210164",
        "full_name": "Heath Barnes",
        "canonical_url": "https://lendb.ai/lo/heath-barnes-210164",
        "json_url": "https://lendb.ai/lo/heath-barnes-210164.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "GA",
          "IN",
          "MN",
          "NM",
          "SC",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/heath-barnes-210164",
      "license_check": {
        "state": "IN",
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        "source_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html"
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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          "AK",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MO",
          "NE",
          "NM",
          "NV",
          "OK",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
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            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "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": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
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          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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          "state": "FL"
        },
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        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/",
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      },
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        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 22 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/"
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        "slug": "brian-sewell-212085",
        "full_name": "Brian Sewell",
        "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
        "json_url": "https://lendb.ai/lo/brian-sewell-212085.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Frankfort",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "1099-income",
            "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": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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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://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html",
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      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/frankfort/brian-sewell-914-chbse.html"
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      "score": 51.8,
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        "slug": "donald-galvin-214981",
        "full_name": "Donald Galvin",
        "canonical_url": "https://lendb.ai/lo/donald-galvin-214981",
        "json_url": "https://lendb.ai/lo/donald-galvin-214981.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "North Ridgeville",
          "state": "OH"
        },
        "licensed_states": [
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          "AZ",
          "GA",
          "IN",
          "MI",
          "NC",
          "NE",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NE",
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          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
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          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/north-ridgeville-oh-2031/donald-galvin/",
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        "States 20 years of experience (lender page, 2026-10-09)"
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        "source_url": "https://crosscountrymortgage.com/north-ridgeville-oh-2031/donald-galvin/"
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        "full_name": "Coley Rau",
        "canonical_url": "https://lendb.ai/lo/coley-rau-256481",
        "json_url": "https://lendb.ai/lo/coley-rau-256481.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bryan",
          "state": "OH"
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        "licensed_states": [
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          "AR",
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          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NJ",
          "OH",
          "SC",
          "SD",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
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            "confidence": "confirmed"
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            "state": "FL",
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            "state": "IA",
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          {
            "state": "KY",
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          {
            "state": "LA",
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
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            "state": "MT",
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            "state": "NC",
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          {
            "state": "ND",
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          {
            "state": "NE",
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          {
            "state": "NJ",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "SC",
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          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "lender_reported"
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        ],
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
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          {
            "slug": "investor",
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          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          "state": "FL"
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        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/",
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      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
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        "Licensed since 2017 (per Florida records)",
        "States 21 years of experience (lender page, 2026-10-09)"
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        "source_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/"
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        "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
        "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json",
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          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
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          "city": "Oak Brook",
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          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "WI"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "slug": "fha",
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        "States 25 years of experience (lender page, 2026-10-09)"
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        "source_url": "https://www.leaderonefinancial.com/mlo/dan-larkin"
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        "canonical_url": "https://lendb.ai/lo/christina-ewing-386807",
        "json_url": "https://lendb.ai/lo/christina-ewing-386807.json",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "state": "IL"
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          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KY",
          "MI",
          "NC",
          "SC",
          "TN",
          "WA",
          "WI"
        ],
        "licenses": [
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            "state": "AZ",
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          {
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            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
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            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
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          },
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            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "NC",
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            "confidence": "lender_reported"
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            "state": "TN",
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            "confidence": "lender_reported"
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        ],
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          "year": 2017,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-7103/christina-ewing/",
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      },
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        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
        "label": "IN 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-7103/christina-ewing/"
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        "full_name": "Kylie Miller",
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        "json_url": "https://lendb.ai/lo/kylie-miller-562713.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "OH"
        },
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          "FL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "OH",
          "TN",
          "WA"
        ],
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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            "state": "IL",
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          {
            "state": "IN",
            "confidence": "lender_reported"
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            "state": "MI",
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          {
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            "state": "TN",
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          {
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        },
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        "lender_profile_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/",
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        "States 20 years of experience (lender page, 2026-10-09)"
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        "lender": {
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          "name": "CrossCountry Mortgage",
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        },
        "branch": {
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          "state": "AZ"
        },
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          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MN",
          "MO",
          "MT",
          "ND",
          "NE",
          "NM",
          "OH",
          "OK",
          "PA",
          "SC",
          "SD",
          "TN",
          "VA",
          "WI"
        ],
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            "state": "AL",
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          {
            "state": "OK",
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            "confidence": "confirmed"
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            "state": "TN",
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        "States 20 years of experience (lender page, 2026-10-09)"
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          "IL",
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          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "ND",
          "SD",
          "VA",
          "WI",
          "WY"
        ],
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            "state": "CA",
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            "state": "CO",
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          {
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            "state": "ME",
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            "state": "MI",
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            "state": "MN",
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          {
            "state": "SD",
            "confidence": "lender_reported"
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            "state": "VA",
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          {
            "state": "WI",
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          "state": "CO"
        },
        "years_experience": 20,
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          {
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            "state": "NY",
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            "state": "OH",
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          {
            "state": "OK",
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          {
            "state": "OR",
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
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          {
            "state": "UT",
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            "confidence": "lender_reported"
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            "state": "VT",
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            "state": "WI",
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        "States 28 years of experience (lender page, 2026-10-09)"
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        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/"
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        "json_url": "https://lendb.ai/lo/gregory-tily-1720774.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "AZ",
          "CA",
          "GA",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "MN",
          "MO",
          "NC",
          "OH",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4694/gregory-tily/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "IN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774",
      "license_check": {
        "state": "IN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IN 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/tampa-fl-4694/gregory-tily/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    }
  ]
}