{ "canonical_url": "https://lendb.ai/s/non-qm/hawaii", "summary": "As of 2026-10-09, LenDb lists 17 loan officers licensed in or based in Hawaii whose lender pages show Non-QM loan work. The top-ranked are Charles Toll (CrossCountry Mortgage, San Juan Capistrano), Blayney White (CrossCountry Mortgage, Petaluma) and Ubaldo V Leon III (CrossCountry Mortgage, Lewisville). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "non-qm", "state": "HI", "total": 17, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 53.8, "loan_officer": { "nmls_id": 1783114, "slug": "charles-toll-1783114", "full_name": "Charles Toll", "canonical_url": "https://lendb.ai/lo/charles-toll-1783114", "json_url": "https://lendb.ai/lo/charles-toll-1783114.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Juan Capistrano", "state": "CA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "GA", "HI", "IL", "IN", "MT", "NM", "NV", "OR", "TN", "TX", "UT", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/charles-toll-1783114", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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-juan-capistrano-ca-5234/charles-toll/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 51.8, "loan_officer": { "nmls_id": 239189, "slug": "blayney-white-239189", "full_name": "Blayney White", "canonical_url": "https://lendb.ai/lo/blayney-white-239189", "json_url": "https://lendb.ai/lo/blayney-white-239189.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Petaluma", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "HI", "MA", "MT", "NV", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/petaluma-ca-4054/blayney-white/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/blayney-white-239189", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/petaluma-ca-4054/blayney-white/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 51.8, "loan_officer": { "nmls_id": 304012, "slug": "ubaldo-leon-304012", "full_name": "Ubaldo V Leon III", "canonical_url": "https://lendb.ai/lo/ubaldo-leon-304012", "json_url": "https://lendb.ai/lo/ubaldo-leon-304012.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lewisville", "state": "TX" }, "licensed_states": [ "FL", "AZ", "CA", "HI", "ID", "LA", "NV", "NY", "OR", "PA", "SC", "TN", "TX", "VA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/lewisville-tx-3372/ubaldo-leon-iii/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ubaldo-leon-304012", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/lewisville-tx-3372/ubaldo-leon-iii/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 51.8, "loan_officer": { "nmls_id": 974114, "slug": "jared-paul-974114", "full_name": "Jared Paul", "canonical_url": "https://lendb.ai/lo/jared-paul-974114", "json_url": "https://lendb.ai/lo/jared-paul-974114.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AL", "AZ", "CA", "CO", "HI", "ID", "IL", "IN", "KY", "MD", "MI", "MT", "NM", "NV", "OH", "OK", "OR", "PA", "TX", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4636/jared-paul/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Colorado records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jared-paul-974114", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/scottsdale-az-4636/jared-paul/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 51.8, "loan_officer": { "nmls_id": 1043739, "slug": "sarena-talbert-1043739", "full_name": "Sarena Talbert", "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739", "json_url": "https://lendb.ai/lo/sarena-talbert-1043739.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "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", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "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" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 49.8, "loan_officer": { "nmls_id": 188831, "slug": "michael-mizrahi-188831", "full_name": "Michael Mizrahi", "canonical_url": "https://lendb.ai/lo/michael-mizrahi-188831", "json_url": "https://lendb.ai/lo/michael-mizrahi-188831.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "DE", "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", "UT", "VA", "VT", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "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" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/michael-mizrahi/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2010 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/michael-mizrahi-188831", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/delray-beach-fl-3726/michael-mizrahi/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 46.8, "loan_officer": { "nmls_id": 450556, "slug": "alexis-ramirez-450556", "full_name": "Alex Ramirez", "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556", "json_url": "https://lendb.ai/lo/alexis-ramirez-450556.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "AZ", "CA", "HI", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "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": "itin", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://xperthomelending.com/loan-directory/alex-ramirez", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/alex-ramirez" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 46.3, "loan_officer": { "nmls_id": 139540, "slug": "peter-costakos-139540", "full_name": "Peter Costakos", "canonical_url": "https://lendb.ai/lo/peter-costakos-139540", "json_url": "https://lendb.ai/lo/peter-costakos-139540.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Purchase", "state": "NY" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "DC", "GA", "HI", "IN", "MA", "ME", "MO", "NC", "NH", "NJ", "NY", "PA", "RI", "SC", "TN", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/purchase-ny-5606/peter-costakos/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/peter-costakos-139540", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/purchase-ny-5606/peter-costakos/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 43.8, "loan_officer": { "nmls_id": 168111, "slug": "gerald-sundt-168111", "full_name": "Jerry Sundt", "canonical_url": "https://lendb.ai/lo/gerald-sundt-168111", "json_url": "https://lendb.ai/lo/gerald-sundt-168111.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tucson", "state": "AZ" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "KS", "MD", "MI", "MN", "MO", "MT", "NC", "ND", "NH", "NM", "NV", "OH", "OK", "OR", "SC", "SD", "TN", "TX", "UT", "VA", "WA", "WI" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/tucson-az-4625/gerald-sundt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/gerald-sundt-168111", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/tucson-az-4625/gerald-sundt/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 43.8, "loan_officer": { "nmls_id": 1812775, "slug": "damon-blackwell-1812775", "full_name": "Damon Blackwell", "canonical_url": "https://lendb.ai/lo/damon-blackwell-1812775", "json_url": "https://lendb.ai/lo/damon-blackwell-1812775.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Henderson", "state": "NV" }, "licensed_states": [ "CA", "HI", "NV", "TX", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-3493/damon-blackwell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/damon-blackwell-1812775", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/henderson-nv-3493/damon-blackwell/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 43.5, "loan_officer": { "nmls_id": 319442, "slug": "ryan-buckholdt-319442", "full_name": "Ryan Buckholdt", "canonical_url": "https://lendb.ai/lo/ryan-buckholdt-319442", "json_url": "https://lendb.ai/lo/ryan-buckholdt-319442.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Santa Cruz", "state": "CA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "GA", "HI", "ID", "NV", "OR", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/santa-cruz-ca-8048/ryan-buckholdt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/ryan-buckholdt-319442", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/santa-cruz-ca-8048/ryan-buckholdt/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 43.3, "loan_officer": { "nmls_id": 117032, "slug": "rosa-briggs-117032", "full_name": "Rosa Briggs", "canonical_url": "https://lendb.ai/lo/rosa-briggs-117032", "json_url": "https://lendb.ai/lo/rosa-briggs-117032.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Snohomish", "state": "WA" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "GA", "HI", "ID", "IL", "IN", "KS", "KY", "LA", "MD", "MI", "MN", "MO", "MT", "NC", "NE", "NV", "OH", "OR", "PA", "SC", "TN", "TX", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/snohomish-wa-3263/rosa-briggs/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/rosa-briggs-117032", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/snohomish-wa-3263/rosa-briggs/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 43, "loan_officer": { "nmls_id": 290779, "slug": "monica-jones-290779", "full_name": "Monica Jones", "canonical_url": "https://lendb.ai/lo/monica-jones-290779", "json_url": "https://lendb.ai/lo/monica-jones-290779.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Benicia", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA", "HI", "ID", "NV", "OR", "TN", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/benicia-ca-4034/monica-jones/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/monica-jones-290779", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/benicia-ca-4034/monica-jones/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 43, "loan_officer": { "nmls_id": 1965113, "slug": "daniel-waddell-1965113", "full_name": "Danny Waddell", "canonical_url": "https://lendb.ai/lo/daniel-waddell-1965113", "json_url": "https://lendb.ai/lo/daniel-waddell-1965113.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Palos Verdes Estates", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "HI", "IA", "ID", "IL", "KY", "MA", "MO", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/palos-verdes-estates-ca-8139/daniel-waddell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/daniel-waddell-1965113", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/palos-verdes-estates-ca-8139/daniel-waddell/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 41.3, "loan_officer": { "nmls_id": 250375, "slug": "kevin-roller-250375", "full_name": "Kevin Roller", "canonical_url": "https://lendb.ai/lo/kevin-roller-250375", "json_url": "https://lendb.ai/lo/kevin-roller-250375.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "GA", "HI", "IA", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "NE", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "PA", "RI", "SC", "TN", "TX", "VA", "WA", "WI", "WV" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "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": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/kevin-roller", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/kevin-roller-250375", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.leaderonefinancial.com/mlo/kevin-roller" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 40.3, "loan_officer": { "nmls_id": 1675909, "slug": "evan-souza-1675909", "full_name": "Evan Souza", "canonical_url": "https://lendb.ai/lo/evan-souza-1675909", "json_url": "https://lendb.ai/lo/evan-souza-1675909.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": "Sacramento", "state": "CA" }, "licensed_states": [ "CA", "HI" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://xperthomelending.com/loan-directory/evan-souza", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/evan-souza-1675909", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/evan-souza" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 38.3, "loan_officer": { "nmls_id": 787138, "slug": "dane-costa-787138", "full_name": "Dane Costa", "canonical_url": "https://lendb.ai/lo/dane-costa-787138", "json_url": "https://lendb.ai/lo/dane-costa-787138.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": "HI" }, "licensed_states": [ "HI" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "bank-statement", "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": "itin", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 11, "lender_profile_url": "https://xperthomelending.com/loan-directory/dane-costa", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Hawaii", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 11 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dane-costa-787138", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/dane-costa" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] } ] }