{
  "canonical_url": "https://lendb.ai/s/new-construction/north-carolina",
  "summary": "As of 2026-10-11, LenDb lists 24 loan officers licensed in or based in North Carolina whose lender pages show New construction work. The top-ranked are Gabe Libutti (Atlantic Coast Mortgage, Huntersville), Kerri Doyle (Truist Bank, Raleigh) and Scott Dunning (CrossCountry Mortgage, Midlothian). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "new-construction",
  "state": "NC",
  "total": 24,
  "last_verified": "2026-10-11",
  "results": [
    {
      "rank": 1,
      "score": 61.5,
      "loan_officer": {
        "nmls_id": 504917,
        "slug": "gabriel-libutti-504917",
        "full_name": "Gabe Libutti",
        "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917",
        "json_url": "https://lendb.ai/lo/gabriel-libutti-504917.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Huntersville",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2019-05-10",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": 24,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/gabe-libutti/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Huntersville, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 10, 2019 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gabriel-libutti-504917",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/gabe-libutti/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 414480,
        "slug": "kerri-doyle-414480",
        "full_name": "Kerri Doyle",
        "canonical_url": "https://lendb.ai/lo/kerri-doyle-414480",
        "json_url": "https://lendb.ai/lo/kerri-doyle-414480.json",
        "lender": {
          "nmls_id": 399803,
          "name": "Truist Bank",
          "canonical_url": "https://lendb.ai/lender/truist-399803",
          "type": "bank"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 32,
        "lender_profile_url": "https://www.truist.com/finder/mortgage/kerri-doyle-mortgage-loan-officer-raleigh-nc-27609",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Raleigh, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 32 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kerri-doyle-414480",
      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 101361,
        "slug": "scott-dunning-101361",
        "full_name": "Scott Dunning",
        "canonical_url": "https://lendb.ai/lo/scott-dunning-101361",
        "json_url": "https://lendb.ai/lo/scott-dunning-101361.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Midlothian",
          "state": "VA"
        },
        "licensed_states": [
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-2614/scott-dunning/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-dunning-101361",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/midlothian-va-2614/scott-dunning/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 311018,
        "slug": "hugh-tanner-311018",
        "full_name": "Hugh Tanner",
        "canonical_url": "https://lendb.ai/lo/hugh-tanner-311018",
        "json_url": "https://lendb.ai/lo/hugh-tanner-311018.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "CA",
          "MD",
          "NC",
          "NV",
          "SC",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-06-23",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-8153/hugh-tanner/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 23, 2021 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hugh-tanner-311018",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/san-diego-ca-8153/hugh-tanner/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 196726,
        "slug": "allan-blake-196726",
        "full_name": "Todd Blake",
        "canonical_url": "https://lendb.ai/lo/allan-blake-196726",
        "json_url": "https://lendb.ai/lo/allan-blake-196726.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-03-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ga/alpharetta/todd-blake-884-hptbla.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 5, 2014 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/allan-blake-196726",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/ga/alpharetta/todd-blake-884-hptbla.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 232133,
        "slug": "chad-emerson-232133",
        "full_name": "Chad Emerson",
        "canonical_url": "https://lendb.ai/lo/chad-emerson-232133",
        "json_url": "https://lendb.ai/lo/chad-emerson-232133.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Shavano Park",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IN",
          "KS",
          "MI",
          "MO",
          "NC",
          "OH",
          "OK",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 27,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/chad-emerson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-11)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 23, 2023 (Florida), per state regulator",
        "States 27 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/chad-emerson-232133",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/chad-emerson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 54,
      "loan_officer": {
        "nmls_id": 1374686,
        "slug": "maria-abad-1374686",
        "full_name": "Gabriela Abad",
        "canonical_url": "https://lendb.ai/lo/maria-abad-1374686",
        "json_url": "https://lendb.ai/lo/maria-abad-1374686.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": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "NC",
          "SC",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-03-11",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/gabad/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Charlotte, NC",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 11, 2024 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/maria-abad-1374686",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.mutualmortgage.com/loan-officer/gabad/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 475661,
        "slug": "scott-hine-475661",
        "full_name": "Scott Hine",
        "canonical_url": "https://lendb.ai/lo/scott-hine-475661",
        "json_url": "https://lendb.ai/lo/scott-hine-475661.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Fredericksburg",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "IN",
          "KY",
          "MD",
          "MI",
          "MO",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        },
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          "year": 2020,
          "state": "FL"
        },
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      },
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        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 9, 2020 (Florida), per state regulator"
      ],
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        "source_url": "https://www.fairway.com/lo/scott-hine-475661"
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      "rank": 9,
      "score": 52.8,
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        "canonical_url": "https://lendb.ai/lo/sicilee-williams-2143917",
        "json_url": "https://lendb.ai/lo/sicilee-williams-2143917.json",
        "lender": {
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          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
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        "branch": {
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          "state": "UT"
        },
        "licensed_states": [
          "NC",
          "UT"
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        "licenses": [
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          {
            "state": "UT",
            "confidence": "lender_reported"
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        ],
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          "state": "FL"
        },
        "years_experience": 6,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/sicilee-williams/",
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        "Earliest state license record: July 31, 2023 (Florida), per state regulator",
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      ],
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        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/sicilee-williams/"
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      "score": 50.8,
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        "slug": "karen-chiu-611778",
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        "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
        "json_url": "https://lendb.ai/lo/karen-chiu-611778.json",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "city": "San Gabriel",
          "state": "CA"
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          "AL",
          "AR",
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          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
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          "TX",
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        "licenses": [
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            "state": "AR",
            "confidence": "lender_reported"
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NC",
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          "date": "2020-06-01",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2020,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/",
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      ],
      "canonical_url": "https://lendb.ai/lo/karen-chiu-611778",
      "license_check": {
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        "confidence": "lender_reported",
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        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/"
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        "canonical_url": "https://lendb.ai/lo/scott-phillips-181137",
        "json_url": "https://lendb.ai/lo/scott-phillips-181137.json",
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          "name": "First Heritage Mortgage",
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          "state": null
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          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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        "earliest_license_record": {
          "date": "2024-03-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2024,
          "state": "FL"
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      ],
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      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
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      "matched_specialties": [
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        "slug": "alan-easterwood-644550",
        "full_name": "Alan Easterwood",
        "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550",
        "json_url": "https://lendb.ai/lo/alan-easterwood-644550.json",
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          "nmls_id": 512138,
          "name": "TowneBank Mortgage",
          "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138",
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          "DC",
          "DE",
          "FL",
          "GA",
          "KY",
          "LA",
          "MD",
          "MS",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
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        "licenses": [
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            "state": "AL",
            "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": "DE",
            "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": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MD",
            "confidence": "lender_reported"
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          {
            "state": "MS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "WV",
            "confidence": "lender_reported"
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        "languages": [],
        "specialties": [
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        "lender_profile_url": "https://townebankmortgage.com/officers/alan-easterwood/",
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      "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
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      "matched_specialties": [
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      "rank": 13,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 2073699,
        "slug": "lindsay-gay-2073699",
        "full_name": "Lindsay Gay",
        "canonical_url": "https://lendb.ai/lo/lindsay-gay-2073699",
        "json_url": "https://lendb.ai/lo/lindsay-gay-2073699.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Midlothian",
          "state": "VA"
        },
        "licensed_states": [
          "NC",
          "VA"
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        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/midlothian-va-5184/lindsay-gay/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/lindsay-gay-2073699",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC 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/midlothian-va-5184/lindsay-gay/"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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    {
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      "score": 48.5,
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        "nmls_id": 910656,
        "slug": "erin-murray-910656",
        "full_name": "Erin Murray",
        "canonical_url": "https://lendb.ai/lo/erin-murray-910656",
        "json_url": "https://lendb.ai/lo/erin-murray-910656.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
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        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/nc/charlotte/erin-murray",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Charlotte, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/erin-murray-910656",
      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
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      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
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    {
      "rank": 15,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 447757,
        "slug": "amy-simmering-447757",
        "full_name": "Amy Simmering",
        "canonical_url": "https://lendb.ai/lo/amy-simmering-447757",
        "json_url": "https://lendb.ai/lo/amy-simmering-447757.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
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        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/nc/raleigh/amy-simmering",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
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        "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/amy-simmering-447757",
      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
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      "matched_specialties": [
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      "score": 47.8,
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        "nmls_id": 450666,
        "slug": "kevin-w-johnson-450666",
        "full_name": "Kevin W Johnson",
        "canonical_url": "https://lendb.ai/lo/kevin-w-johnson-450666",
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        "lender": {
          "nmls_id": 399801,
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          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
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        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-w-johnson-450666",
      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "new-construction"
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      "score": 47.8,
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        "slug": "ron-takac-505438",
        "full_name": "Ron Takac",
        "canonical_url": "https://lendb.ai/lo/ron-takac-505438",
        "json_url": "https://lendb.ai/lo/ron-takac-505438.json",
        "lender": {
          "nmls_id": 399801,
          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
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            "evidence": "lender_page_text"
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        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/nc/charlotte/ron-takac",
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        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Charlotte, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/ron-takac-505438",
      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
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      "rank": 18,
      "score": 47.8,
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        "slug": "cathy-edwards-557382",
        "full_name": "Cathy Edwards",
        "canonical_url": "https://lendb.ai/lo/cathy-edwards-557382",
        "json_url": "https://lendb.ai/lo/cathy-edwards-557382.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/nc/raleigh/cathy-edwards-557382",
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        "Office in Raleigh, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
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      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
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      "rank": 19,
      "score": 47.8,
      "loan_officer": {
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        "slug": "melvin-c-hinson-jr-1454683",
        "full_name": "Melvin C Hinson Jr",
        "canonical_url": "https://lendb.ai/lo/melvin-c-hinson-jr-1454683",
        "json_url": "https://lendb.ai/lo/melvin-c-hinson-jr-1454683.json",
        "lender": {
          "nmls_id": 402761,
          "name": "U.S. Bank",
          "canonical_url": "https://lendb.ai/lender/us-bank-402761",
          "type": "bank"
        },
        "branch": {
          "city": "Rural Hall",
          "state": "NC"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://mortgage.usbank.com/nc/rural-hall/melvin-c-hinson-jr-1454683",
        "disciplinary_check": "not_checked"
      },
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        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "Office in Rural Hall, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/melvin-c-hinson-jr-1454683",
      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
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      },
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      "score": 47,
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        "slug": "jonathan-smith-915653",
        "full_name": "Jonathan T Smith",
        "canonical_url": "https://lendb.ai/lo/jonathan-smith-915653",
        "json_url": "https://lendb.ai/lo/jonathan-smith-915653.json",
        "lender": {
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          "name": "Wells Fargo Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/wells-fargo-399801",
          "type": "bank"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL"
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        "licenses": [
          {
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            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": true,
        "languages": [],
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          {
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            "evidence": "lender_page_text"
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          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
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        "lender_profile_url": "https://homeloans.wellsfargo.com/mortgage/nc/charlotte/jonathan-t-smith",
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        "Office in Charlotte, NC",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: February 9, 2026 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-smith-915653",
      "license_check": {
        "state": "NC",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
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      "score": 44.8,
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        "slug": "bart-poynor-188427",
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        "canonical_url": "https://lendb.ai/lo/bart-poynor-188427",
        "json_url": "https://lendb.ai/lo/bart-poynor-188427.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Clayton",
          "state": "NC"
        },
        "licensed_states": [
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          "SC"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        ],
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            "evidence": "lender_page_text"
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        ],
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/bart-poynor-188427",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
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      "canonical_url": "https://lendb.ai/lo/bart-poynor-188427",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "canonical_url": "https://lendb.ai/lo/leslie-bergen-383352",
        "json_url": "https://lendb.ai/lo/leslie-bergen-383352.json",
        "lender": {
          "nmls_id": 1124061,
          "name": "Lower",
          "canonical_url": "https://lendb.ai/lender/lower-1124061",
          "type": "imb"
        },
        "branch": {
          "city": "El Paso",
          "state": "TX"
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          "GA",
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          "IL",
          "IN",
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          "MD",
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          "TN",
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        "licenses": [
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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": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "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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            "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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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
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        "lender_profile_url": "https://www.lower.com/loan-officers/texas/elpaso/leslie-bergen",
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      },
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        "Earliest state license record: April 10, 2023 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-10)"
      ],
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      "license_check": {
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        "confidence": "lender_reported",
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        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "json_url": "https://lendb.ai/lo/jeffrey-merk-1930460.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
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          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
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        "earliest_license_record": {
          "date": "2020-03-13",
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        },
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 6,
        "lender_profile_url": "https://fhmtg.com/officers/jeffrey-merk/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists New construction on lender page (lender page, verified 2026-10-09)",
        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 13, 2020 (Florida), per state regulator",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-merk-1930460",
      "license_check": {
        "state": "NC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://fhmtg.com/officers/jeffrey-merk/"
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      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 24,
      "score": 41.8,
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        "nmls_id": 583063,
        "slug": "kelly-hagler-583063",
        "full_name": "Kelly Hagler",
        "canonical_url": "https://lendb.ai/lo/kelly-hagler-583063",
        "json_url": "https://lendb.ai/lo/kelly-hagler-583063.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Napa ",
          "state": "CA"
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        "licensed_states": [
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          "AR",
          "AZ",
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          "CO",
          "CT",
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          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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            "state": "DE",
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            "state": "GA",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "IL",
            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
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          {
            "state": "KS",
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            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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        "disciplinary_check": "not_checked"
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        "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
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  ]
}