{
  "canonical_url": "https://lendb.ai/s/jumbo/rhode-island",
  "summary": "As of 2026-10-09, LenDb lists 28 loan officers licensed in or based in Rhode Island whose lender pages show Jumbo loan work. The top-ranked are Scott Hazard (Embrace Home Loans, Jamestown), Chad Goetz (CrossCountry Mortgage, Salem) and George Koutsos (CrossCountry Mortgage, Beverly). Ranking is lender-neutral: specialty evidence first, then a license in RI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "jumbo",
  "state": "RI",
  "total": 28,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 60.3,
      "loan_officer": {
        "nmls_id": 30883,
        "slug": "scott-hazard-30883",
        "full_name": "Scott Hazard",
        "canonical_url": "https://lendb.ai/lo/scott-hazard-30883",
        "json_url": "https://lendb.ai/lo/scott-hazard-30883.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Jamestown",
          "state": "RI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "IL",
          "MA",
          "MT",
          "NY",
          "RI"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/rhode-island/jamestown/scott-hazard",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Jamestown, RI",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-hazard-30883",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/rhode-island/jamestown/scott-hazard"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 5128,
        "slug": "chad-goetz-5128",
        "full_name": "Chad Goetz",
        "canonical_url": "https://lendb.ai/lo/chad-goetz-5128",
        "json_url": "https://lendb.ai/lo/chad-goetz-5128.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Salem",
          "state": "NH"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "RI",
          "SC",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "licensed_since": {
          "year": 2016,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/salem-nh-5004/chad-goetz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2016 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/chad-goetz-5128",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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/salem-nh-5004/chad-goetz/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "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)",
        "RI 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": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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": 4,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 29861,
        "slug": "andrew-marquis-29861",
        "full_name": "Andrew Marquis",
        "canonical_url": "https://lendb.ai/lo/andrew-marquis-29861",
        "json_url": "https://lendb.ai/lo/andrew-marquis-29861.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "IL",
          "MA",
          "MD",
          "ME",
          "NC",
          "NH",
          "NJ",
          "NY",
          "OH",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/andrew-marquis/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-marquis-29861",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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/lexington-ma-4841/andrew-marquis/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 47305,
        "slug": "christopher-devin-47305",
        "full_name": "Chris Devin",
        "canonical_url": "https://lendb.ai/lo/christopher-devin-47305",
        "json_url": "https://lendb.ai/lo/christopher-devin-47305.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Norwell",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "IL",
          "MA",
          "ME",
          "NC",
          "NH",
          "NJ",
          "NY",
          "PA",
          "RI",
          "SC",
          "TN",
          "VA",
          "VT",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "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"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/norwell-ma-4814/christopher-devin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-devin-47305",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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/norwell-ma-4814/christopher-devin/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 67031,
        "slug": "michael-bush-67031",
        "full_name": "Michael Bush",
        "canonical_url": "https://lendb.ai/lo/michael-bush-67031",
        "json_url": "https://lendb.ai/lo/michael-bush-67031.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Attleboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "ME",
          "NH",
          "NJ",
          "RI",
          "VA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/michael-bush-651-rgmbu.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-bush-67031",
      "license_check": {
        "state": "RI",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "RI 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/ma/northattleboro/michael-bush-651-rgmbu.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 513224,
        "slug": "david-fay-513224",
        "full_name": "David Fay",
        "canonical_url": "https://lendb.ai/lo/david-fay-513224",
        "json_url": "https://lendb.ai/lo/david-fay-513224.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lexington",
          "state": "MA"
        },
        "licensed_states": [
          "CT",
          "MA",
          "NC",
          "NH",
          "NJ",
          "PA",
          "RI",
          "VA"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
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            "evidence": "lender_page_text"
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        ],
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      },
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        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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        "confidence": "lender_reported",
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          "type": "imb"
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          "state": "CA"
        },
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          "AR",
          "AZ",
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          "GA",
          "HI",
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          "ID",
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          "KS",
          "KY",
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          "MA",
          "MD",
          "ME",
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "KS",
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
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            "confidence": "lender_reported"
          },
          {
            "state": "MD",
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          {
            "state": "MI",
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            "confidence": "lender_reported"
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          {
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          {
            "state": "MT",
            "confidence": "lender_reported"
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            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/"
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        "canonical_url": "https://lendb.ai/lo/barry-koven-404510",
        "json_url": "https://lendb.ai/lo/barry-koven-404510.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        },
        "branch": {
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          "state": "NY"
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        "licensed_states": [
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          "CT",
          "NJ",
          "NY",
          "PA",
          "RI"
        ],
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          {
            "state": "FL",
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          {
            "state": "NJ",
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          {
            "state": "NY",
            "confidence": "lender_reported"
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            "state": "NY",
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            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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            "state": "SC",
            "confidence": "lender_reported"
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            "state": "SD",
            "confidence": "lender_reported"
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            "state": "TN",
            "confidence": "lender_reported"
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            "state": "TX",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "VT",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "state": "TX",
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}