{
  "canonical_url": "https://lendb.ai/s/jumbo/texas",
  "summary": "As of 2026-10-09, LenDb lists 268 loan officers licensed in or based in Texas whose lender pages show Jumbo loan work. The top-ranked are James Ward (Fairway Independent Mortgage Corporation, Houston), Rob Parham (CrossCountry Mortgage, Plano) and Michelle Muqtadir (CrossCountry Mortgage, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "jumbo",
  "state": "TX",
  "total": 268,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 168854,
        "slug": "james-ward-168854",
        "full_name": "James Ward",
        "canonical_url": "https://lendb.ai/lo/james-ward-168854",
        "json_url": "https://lendb.ai/lo/james-ward-168854.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "PA",
          "TX"
        ],
        "licenses": [
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/james-ward-168854",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Houston, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-ward-168854",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/james-ward-168854"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 195722,
        "slug": "rob-parham-195722",
        "full_name": "Rob Parham",
        "canonical_url": "https://lendb.ai/lo/rob-parham-195722",
        "json_url": "https://lendb.ai/lo/rob-parham-195722.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Plano",
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 26,
        "lender_profile_url": "https://crosscountrymortgage.com/plano-tx-3849/robert-parham/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Plano, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/rob-parham-195722",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/plano-tx-3849/robert-parham/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 143470,
        "slug": "michelle-muqtadir-143470",
        "full_name": "Michelle Muqtadir",
        "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
        "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/seattle-wa-5551/michelle-muqtadir/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 491678,
        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
        "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/newport-beach-ca-4169/jose-magallanes/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.3,
      "loan_officer": {
        "nmls_id": 185192,
        "slug": "hong-luu-185192",
        "full_name": "Bobby Luu",
        "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
        "json_url": "https://lendb.ai/lo/hong-luu-185192.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Reston",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NE",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/bobby-luu",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/bobby-luu"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59,
      "loan_officer": {
        "nmls_id": 1970490,
        "slug": "brian-brown-1970490",
        "full_name": "Brian Brown",
        "canonical_url": "https://lendb.ai/lo/brian-brown-1970490",
        "json_url": "https://lendb.ai/lo/brian-brown-1970490.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Staten Island",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "NC",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/staten-island-ny-4594/brian-brown/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-brown-1970490",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/staten-island-ny-4594/brian-brown/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "jumbo"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "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)",
        "TX 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": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/"
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        },
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          "state": "TX"
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          "GA",
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          "MO",
          "MS",
          "NC",
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          "NM",
          "NV",
          "OK",
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          "SC",
          "TX",
          "VA"
        ],
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          {
            "state": "AZ",
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          {
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            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NC",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
        "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json",
        "lender": {
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          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
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        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
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          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "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"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
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            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560",
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        "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",
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        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
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      "rank": 10,
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        "full_name": "Darren Davey",
        "canonical_url": "https://lendb.ai/lo/darren-davey-258314",
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          "canonical_url": "https://lendb.ai/lender/prosperity-bank-466414",
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        "lender_profile_url": "https://prosperitybankhomeloans.com/loan_officer/darren-davey/",
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        "States 26 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/darren-davey-258314",
      "license_check": {
        "state": "TX",
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        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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        "canonical_url": "https://lendb.ai/lo/michael-robertson-288112",
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          "canonical_url": "https://lendb.ai/lender/prosperity-bank-466414",
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        "branch": {
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        "lender_profile_url": "https://prosperitybankhomeloans.com/loan_officer/michael-robertson/",
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        "Office in Austin, TX",
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        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-robertson-288112",
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        "confidence": "federal_registration",
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        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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        "full_name": "Heath Barnes",
        "canonical_url": "https://lendb.ai/lo/heath-barnes-210164",
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        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
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        "branch": {
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          {
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          {
            "state": "GA",
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
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          {
            "state": "TX",
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            "slug": "investor",
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        "licensed_since": {
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        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html",
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      ],
      "canonical_url": "https://lendb.ai/lo/heath-barnes-210164",
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        "confidence": "lender_reported",
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        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html"
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      "score": 54.8,
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        "full_name": "Michael Harrington",
        "canonical_url": "https://lendb.ai/lo/michael-harrington-227958",
        "json_url": "https://lendb.ai/lo/michael-harrington-227958.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        "licensed_states": [
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        "licenses": [
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        "languages": [],
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        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-3358/anselon-harrington/",
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        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-harrington-227958",
      "license_check": {
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        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/houston-tx-3358/anselon-harrington/"
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      "score": 54.8,
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        "full_name": "Cody Castagno",
        "canonical_url": "https://lendb.ai/lo/cody-castagno-266839",
        "json_url": "https://lendb.ai/lo/cody-castagno-266839.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        },
        "branch": {
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        },
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          "OK",
          "AL",
          "CA",
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "OK",
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          {
            "state": "TX",
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            "slug": "jumbo",
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          },
          {
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          {
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/tyler-tx-4387/cody-castagno/",
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      },
      "reasons": [
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        "Licensed since 2026 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/cody-castagno-266839",
      "license_check": {
        "state": "TX",
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      "score": 54.8,
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        "nmls_id": 266847,
        "slug": "kristie-van-huis-266847",
        "full_name": "Kristie Van Huis",
        "canonical_url": "https://lendb.ai/lo/kristie-van-huis-266847",
        "json_url": "https://lendb.ai/lo/kristie-van-huis-266847.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tyler",
          "state": "TX"
        },
        "licensed_states": [
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        "licenses": [
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            "state": "TX",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/tyler-tx-4387/kristie-van-huis/",
        "disciplinary_check": "not_checked"
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        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "Office in Tyler, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kristie-van-huis-266847",
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        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/tyler-tx-4387/kristie-van-huis/"
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        "jumbo"
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      "rank": 16,
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        "full_name": "Ubaldo V Leon III",
        "canonical_url": "https://lendb.ai/lo/ubaldo-leon-304012",
        "json_url": "https://lendb.ai/lo/ubaldo-leon-304012.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "city": "Lewisville",
          "state": "TX"
        },
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          "FL",
          "AZ",
          "CA",
          "HI",
          "ID",
          "LA",
          "NV",
          "NY",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
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          {
            "slug": "jumbo",
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          },
          {
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          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          "state": "FL"
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      },
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        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
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        "Licensed since 2023 (per Florida records)",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
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        "state": "TX",
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        "eligible": true,
        "label": "TX 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/lewisville-tx-3372/ubaldo-leon-iii/"
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        "full_name": "Bobbie Greenman",
        "canonical_url": "https://lendb.ai/lo/roberta-greenman-334493",
        "json_url": "https://lendb.ai/lo/roberta-greenman-334493.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Antonio",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
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        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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          {
            "slug": "new-construction",
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
          "year": 2021,
          "state": "FL"
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        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/sanantonio/bobbie-greenman-932-chrgr.html",
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        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
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        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/tx/sanantonio/bobbie-greenman-932-chrgr.html"
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        "slug": "brian-smith-930224",
        "full_name": "Brian Smith",
        "canonical_url": "https://lendb.ai/lo/brian-smith-930224",
        "json_url": "https://lendb.ai/lo/brian-smith-930224.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
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        "licensed_states": [
          "CA",
          "KS",
          "MO",
          "TX"
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        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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        ],
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        "languages": [],
        "specialties": [
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            "slug": "jumbo",
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          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/austin/brian-smith-658-apbsm.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
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        "Licensed since 2019 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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        "eligible": true,
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        "source_url": "https://branches.guildmortgage.com/tx/austin/brian-smith-658-apbsm.html"
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        "json_url": "https://lendb.ai/lo/steven-crossman-995551.json",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        },
        "branch": {
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
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          {
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            "confidence": "confirmed"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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            "state": "TX",
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            "slug": "foreign-national",
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            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
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            "slug": "investor",
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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          {
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/",
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      },
      "reasons": [
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        "Office in McKinney, TX",
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        "Licensed since 2020 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-crossman-995551",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/"
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      "score": 54.8,
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        "slug": "wendy-cloud-1195575",
        "full_name": "Wendy Cloud",
        "canonical_url": "https://lendb.ai/lo/wendy-cloud-1195575",
        "json_url": "https://lendb.ai/lo/wendy-cloud-1195575.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
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          "state": "TX"
        },
        "licensed_states": [
          "TX"
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        "licenses": [
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        "languages": [],
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            "slug": "non-qm",
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            "evidence": "lender_page_text"
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        "years_experience": 27,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-5337/wendy-cloud/",
        "disciplinary_check": "not_checked"
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        "Office in Houston, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 27 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/wendy-cloud-1195575",
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        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://crosscountrymortgage.com/houston-tx-5337/wendy-cloud/"
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        "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
        "json_url": "https://lendb.ai/lo/lori-jule-190409.json",
        "lender": {
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          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
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        "branch": {
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          "DC",
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          "NC",
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CT",
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          {
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          {
            "state": "FL",
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          {
            "state": "GA",
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          {
            "state": "ID",
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          {
            "state": "LA",
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          {
            "state": "MA",
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          {
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          {
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          {
            "state": "MI",
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          {
            "state": "NC",
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          {
            "state": "NE",
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
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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": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "VT",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
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        "licensed_since": {
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          "state": "FL"
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        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/",
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      },
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      ],
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        "json_url": "https://lendb.ai/lo/martin-parada-361363.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
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          "NC",
          "NV",
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          "TN",
          "TX",
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "NC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OH",
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          {
            "state": "SC",
            "confidence": "lender_reported"
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            "state": "TN",
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            "state": "TX",
            "confidence": "lender_reported"
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          {
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          {
            "slug": "reverse",
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        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/martin-parada-361363",
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        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://xperthomelending.com/loan-directory/marty-parada"
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      "rank": 23,
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        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
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          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
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          "state": "CA"
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          "AZ",
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          "DC",
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          "HI",
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          "IL",
          "KS",
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          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
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          "NY",
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          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
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            "state": "AL",
            "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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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
            "state": "DC",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "lender_reported"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "MD",
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            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "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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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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        "States 17 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi"
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      "score": 54,
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        "lender": {
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          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871",
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          "state": "TX"
        },
        "licensed_states": [
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          "LA",
          "TX"
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            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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      ],
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        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://www.highlandsmortgage.com/agents/sabrena-lamkin/"
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      "score": 53.3,
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        "canonical_url": "https://lendb.ai/lo/george-komoroski-16721",
        "json_url": "https://lendb.ai/lo/george-komoroski-16721.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764",
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        },
        "branch": {
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          "state": "CT"
        },
        "licensed_states": [
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          "CO",
          "CT",
          "IL",
          "IN",
          "MA",
          "MI",
          "MO",
          "NJ",
          "NY",
          "OH",
          "PA",
          "RI",
          "TX",
          "VT"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "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": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        ],
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        "licensed_since": {
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          "state": "FL"
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        "lender_profile_url": "https://www.totalmortgage.com/bankers/george-komoroski",
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        "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-komoroski-16721",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.totalmortgage.com/bankers/george-komoroski"
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  ]
}