{
  "canonical_url": "https://lendb.ai/s/multi-family-2-4/florida",
  "summary": "As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Florida whose lender pages show 2 to 4 unit property work. The top-ranked are Kim Foglesong (Guild Mortgage, Boca Raton), Christopher Albanese (CrossCountry Mortgage, Durango) and April Murray (Mutual of Omaha Mortgage, Marietta). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "multi-family-2-4",
  "state": "FL",
  "total": 8,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 490462,
        "slug": "kim-foglesong-490462",
        "full_name": "Kim Foglesong",
        "canonical_url": "https://lendb.ai/lo/kim-foglesong-490462",
        "json_url": "https://lendb.ai/lo/kim-foglesong-490462.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/kim-foglesong-777-hpkf.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-foglesong-490462"
    },
    {
      "rank": 2,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 63768,
        "slug": "christopher-albanese-63768",
        "full_name": "Christopher Albanese",
        "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768",
        "json_url": "https://lendb.ai/lo/christopher-albanese-63768.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Durango",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "CT",
          "IL",
          "MA",
          "NJ",
          "NY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/durango-co-5164/christopher-albanese/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "6 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-albanese-63768"
    },
    {
      "rank": 3,
      "score": 47,
      "loan_officer": {
        "nmls_id": 1651738,
        "slug": "moraa-murray-1651738",
        "full_name": "April Murray",
        "canonical_url": "https://lendb.ai/lo/moraa-murray-1651738",
        "json_url": "https://lendb.ai/lo/moraa-murray-1651738.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Marietta",
          "state": "GA"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 25,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/amurray/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/moraa-murray-1651738"
    },
    {
      "rank": 4,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 2424062,
        "slug": "ai-cao-2424062",
        "full_name": "Amilia Cao",
        "canonical_url": "https://lendb.ai/lo/ai-cao-2424062",
        "json_url": "https://lendb.ai/lo/ai-cao-2424062.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/amilia-cao-2424062",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/ai-cao-2424062"
    },
    {
      "rank": 5,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 2187062,
        "slug": "edrony-joseph-2187062",
        "full_name": "Edrony Joseph",
        "canonical_url": "https://lendb.ai/lo/edrony-joseph-2187062",
        "json_url": "https://lendb.ai/lo/edrony-joseph-2187062.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/edrony-joseph-2187062",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/edrony-joseph-2187062"
    },
    {
      "rank": 6,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 2834734,
        "slug": "michael-whitted-2834734",
        "full_name": "Michael Whitted Sr",
        "canonical_url": "https://lendb.ai/lo/michael-whitted-2834734",
        "json_url": "https://lendb.ai/lo/michael-whitted-2834734.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/michael-whitted-sr-2834734",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "0 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-whitted-2834734"
    },
    {
      "rank": 7,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 258898,
        "slug": "daniel-larkin-258898",
        "full_name": "Dan Larkin",
        "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898",
        "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 25,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898"
    },
    {
      "rank": 8,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2758856,
        "slug": "james-abron-2758856",
        "full_name": "James Abron",
        "canonical_url": "https://lendb.ai/lo/james-abron-2758856",
        "json_url": "https://lendb.ai/lo/james-abron-2758856.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "ME",
          "MI",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": 25,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/james-abron-2758856",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists 2 to 4 unit property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "0 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/james-abron-2758856"
    }
  ]
}