{
  "canonical_url": "https://lendb.ai/s/non-qm/florida",
  "summary": "As of 2026-10-09, LenDb lists 77 loan officers licensed in or based in Florida whose lender pages show Non-QM loan work. The top-ranked are John Nguyen (Guild Mortgage, Boca Raton), Vincent Rodriguez (CrossCountry Mortgage, Coral Springs) and Jake Healy (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "non-qm",
  "state": "FL",
  "total": 77,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 389742,
        "slug": "john-nguyen-389742",
        "full_name": "John Nguyen",
        "canonical_url": "https://lendb.ai/lo/john-nguyen-389742",
        "json_url": "https://lendb.ai/lo/john-nguyen-389742.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Boca Raton",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "GA",
          "HI",
          "IL",
          "KS",
          "LA",
          "MI",
          "NC",
          "NJ",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/bocaraton/john-nguyen-199-hpjng.html"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-nguyen-389742"
    },
    {
      "rank": 2,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 325209,
        "slug": "vincent-rodriguez-325209",
        "full_name": "Vincent Rodriguez",
        "canonical_url": "https://lendb.ai/lo/vincent-rodriguez-325209",
        "json_url": "https://lendb.ai/lo/vincent-rodriguez-325209.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Coral Springs",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "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"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/coral-springs-fl-4941/vincent-rodriguez/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/vincent-rodriguez-325209"
    },
    {
      "rank": 3,
      "score": 57,
      "loan_officer": {
        "nmls_id": 1028904,
        "slug": "john-healy-1028904",
        "full_name": "Jake Healy",
        "canonical_url": "https://lendb.ai/lo/john-healy-1028904",
        "json_url": "https://lendb.ai/lo/john-healy-1028904.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/john-healy/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "13 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-healy-1028904"
    },
    {
      "rank": 4,
      "score": 56,
      "loan_officer": {
        "nmls_id": 267908,
        "slug": "moises-alvarez-267908",
        "full_name": "Moises Alvarez",
        "canonical_url": "https://lendb.ai/lo/moises-alvarez-267908",
        "json_url": "https://lendb.ai/lo/moises-alvarez-267908.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/moises-alvarez"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/moises-alvarez-267908"
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 373644,
        "slug": "jacob-kuzman-373644",
        "full_name": "Jacob Kuzman",
        "canonical_url": "https://lendb.ai/lo/jacob-kuzman-373644",
        "json_url": "https://lendb.ai/lo/jacob-kuzman-373644.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007"
        },
        "branch": {
          "city": "Winter Park",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "KS",
          "MO",
          "NC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 20,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/jacob-kuzman"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jacob-kuzman-373644"
    },
    {
      "rank": 6,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 222435,
        "slug": "stephen-butera-222435",
        "full_name": "Steve Butera",
        "canonical_url": "https://lendb.ai/lo/stephen-butera-222435",
        "json_url": "https://lendb.ai/lo/stephen-butera-222435.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/steve-butera-222435"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/stephen-butera-222435"
    },
    {
      "rank": 7,
      "score": 55,
      "loan_officer": {
        "nmls_id": 1456209,
        "slug": "jose-manrique-1456209",
        "full_name": "Jose Antonio Manrique",
        "canonical_url": "https://lendb.ai/lo/jose-manrique-1456209",
        "json_url": "https://lendb.ai/lo/jose-manrique-1456209.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": 10,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jose-antonio-manrique-1456209"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-manrique-1456209"
    },
    {
      "rank": 8,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 190264,
        "slug": "tammy-frith-190264",
        "full_name": "Tammy Frith",
        "canonical_url": "https://lendb.ai/lo/tammy-frith-190264",
        "json_url": "https://lendb.ai/lo/tammy-frith-190264.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Destin",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/tammy-frith/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tammy-frith-190264"
    },
    {
      "rank": 9,
      "score": 54,
      "loan_officer": {
        "nmls_id": 1090092,
        "slug": "sean-frith-1090092",
        "full_name": "Sean Frith",
        "canonical_url": "https://lendb.ai/lo/sean-frith-1090092",
        "json_url": "https://lendb.ai/lo/sean-frith-1090092.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Destin",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "OH",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/sean-frith/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sean-frith-1090092"
    },
    {
      "rank": 10,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1385043,
        "slug": "sundi-engle-1385043",
        "full_name": "Sundi Engle",
        "canonical_url": "https://lendb.ai/lo/sundi-engle-1385043",
        "json_url": "https://lendb.ai/lo/sundi-engle-1385043.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/sundi-engle"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sundi-engle-1385043"
    },
    {
      "rank": 11,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 185131,
        "slug": "richard-staley-185131",
        "full_name": "Richard Staley",
        "canonical_url": "https://lendb.ai/lo/richard-staley-185131",
        "json_url": "https://lendb.ai/lo/richard-staley-185131.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/alpharetta-ga-4742/richard-staley/"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-staley-185131"
    },
    {
      "rank": 12,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 594824,
        "slug": "nicholas-redhead-594824",
        "full_name": "Nick Redhead",
        "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824",
        "json_url": "https://lendb.ai/lo/nicholas-redhead-594824.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "LA",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 23,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/nick-redhead"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL (state license, verified 2026-10-09)",
        "Branch in Florida",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824"
    },
    {
      "rank": 13,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 815948,
        "slug": "charles-figueroa-815948",
        "full_name": "Charles Figueroa",
        "canonical_url": "https://lendb.ai/lo/charles-figueroa-815948",
        "json_url": "https://lendb.ai/lo/charles-figueroa-815948.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": "FL"
        },
        "licensed_states": [
          "FL"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
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}