{ "canonical_url": "https://lendb.ai/s/non-qm/south-carolina", "summary": "As of 2026-10-10, LenDb lists 74 loan officers licensed in or based in South Carolina whose lender pages show Non-QM loan work. The top-ranked are Tammy Frith (CrossCountry Mortgage, Destin), Archie E. Vetter (Neighborhood Loans) and Steve Klarman (CrossCountry Mortgage, Aiken). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "non-qm", "state": "SC", "total": 74, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 59.8, "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", "type": "imb" }, "branch": { "city": "Destin", "state": "FL" }, "licensed_states": [ "FL", "AL", "GA", "NC", "SC" ], "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" } ], "federal_registration_likely": false, "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": null, "earliest_license_record": { "date": "2017-12-11", "state": "FL" }, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/destin-fl-3685/tammy-frith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 11, 2017 (Florida), per state regulator", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tammy-frith-190264", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/destin-fl-3685/tammy-frith/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 55.3, "loan_officer": { "nmls_id": 203614, "slug": "archie-vetter-203614", "full_name": "Archie E. Vetter", "canonical_url": "https://lendb.ai/lo/archie-vetter-203614", "json_url": "https://lendb.ai/lo/archie-vetter-203614.json", "lender": { "nmls_id": 222982, "name": "Neighborhood Loans", "canonical_url": "https://lendb.ai/lender/neighborhood-loans-222982", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "IA", "IL", "IN", "MI", "MN", "MO", "NC", "NV", "OH", "SC", "TN", "TX", "VA", "WI" ], "licenses": [ { "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": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-11-13", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://neighborhoodloans.com/archie-vetter/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-10)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 13, 2020 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-10)" ], "canonical_url": "https://lendb.ai/lo/archie-vetter-203614", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-10", "source_url": "https://neighborhoodloans.com/archie-vetter/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 54.8, "loan_officer": { "nmls_id": 1559209, "slug": "steven-klarman-1559209", "full_name": "Steve Klarman", "canonical_url": "https://lendb.ai/lo/steven-klarman-1559209", "json_url": "https://lendb.ai/lo/steven-klarman-1559209.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Aiken", "state": "SC" }, "licensed_states": [ "FL", "AL", "CA", "GA", "SC" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "SC", "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": null, "earliest_license_record": { "date": "2025-11-04", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/aiken-sc-3969/steve-klarman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Aiken, SC", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 4, 2025 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/steven-klarman-1559209", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/aiken-sc-3969/steve-klarman/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 52.8, "loan_officer": { "nmls_id": 611778, "slug": "karen-chiu-611778", "full_name": "Karen Chiu", "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "json_url": "https://lendb.ai/lo/karen-chiu-611778.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Gabriel", "state": "CA" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "GA", "IL", "IN", "KY", "LA", "MI", "MO", "NC", "NV", "OH", "PA", "SC", "TN", "TX", "WA" ], "licenses": [ { "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": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "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/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 1, 2020 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/karen-chiu-611778", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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-gabriel-ca-3255/karen-chiu/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 52.3, "loan_officer": { "nmls_id": 509649, "slug": "shannon-odom-509649", "full_name": "Shannon Odom", "canonical_url": "https://lendb.ai/lo/shannon-odom-509649", "json_url": "https://lendb.ai/lo/shannon-odom-509649.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Bangor", "state": "ME" }, "licensed_states": [ "FL", "CO", "DE", "KS", "MA", "MD", "ME", "MO", "NC", "NH", "SC", "VA", "VT", "TX" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-06-16", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/shannon-odom", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 16, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/shannon-odom-509649", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/shannon-odom" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 51.8, "loan_officer": { "nmls_id": 5128, "slug": "chad-goetz-5128", "full_name": "Chad Goetz", "canonical_url": "https://lendb.ai/lo/chad-goetz-5128", "json_url": "https://lendb.ai/lo/chad-goetz-5128.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Salem", "state": "NH" }, "licensed_states": [ "FL", "MA", "ME", "NH", "RI", "SC", "TX" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-08-17", "state": "FL" }, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/salem-nh-5004/chad-goetz/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 17, 2016 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/chad-goetz-5128", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/salem-nh-5004/chad-goetz/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.8, "loan_officer": { "nmls_id": 29861, "slug": "andrew-marquis-29861", "full_name": "Andrew Marquis", "canonical_url": "https://lendb.ai/lo/andrew-marquis-29861", "json_url": "https://lendb.ai/lo/andrew-marquis-29861.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "MA" }, "licensed_states": [ "FL", "AL", "AZ", "CA", "CO", "CT", "DE", "GA", "IL", "MA", "MD", "ME", "NC", "NH", "NJ", "NY", "OH", "PA", "RI", "SC", "TN", "TX", "VA", "VT", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "OH", "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": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "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": null, "earliest_license_record": { "date": "2020-01-15", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://crosscountrymortgage.com/lexington-ma-4841/andrew-marquis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 15, 2020 (Florida), per state regulator", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/andrew-marquis-29861", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/lexington-ma-4841/andrew-marquis/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 39527, "slug": "patrick-stoy-39527", "full_name": "Patrick Stoy", "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527", "json_url": "https://lendb.ai/lo/patrick-stoy-39527.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Wilmington", "state": "NC" }, "licensed_states": [ "FL", "KY", "MN", "MO", "MT", "NC", "NM", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-11-09", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 9, 2022 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/wilmington-nc-4427/patrick-stoy/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 103294, "slug": "angela-vincent-103294", "full_name": "Angie Gora Vincent", "canonical_url": "https://lendb.ai/lo/angela-vincent-103294", "json_url": "https://lendb.ai/lo/angela-vincent-103294.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bethlehem", "state": "GA" }, "licensed_states": [ "FL", "AL", "GA", "SC" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-02-05", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/bethlehem-ga-3593/angela-vincent/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 5, 2020 (Florida), per state regulator", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/angela-vincent-103294", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/bethlehem-ga-3593/angela-vincent/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51.8, "loan_officer": { "nmls_id": 200651, "slug": "sandra-smith-200651", "full_name": "Sandra Smith", "canonical_url": "https://lendb.ai/lo/sandra-smith-200651", "json_url": "https://lendb.ai/lo/sandra-smith-200651.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Alpharetta", "state": "GA" }, "licensed_states": [ "FL", "AL", "GA", "NC", "SC", "TN", "VA" ], "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" }, { "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": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-06-29", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/alpharetta-ga-4747/sandra-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 29, 2011 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sandra-smith-200651", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/alpharetta-ga-4747/sandra-smith/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 11, "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": "confirmed" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "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": null, "earliest_license_record": { "date": "2018-01-10", "state": "TX" }, "licensed_since": { "year": 2018, "state": "TX" }, "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)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 10, 2018 (Texas), per state regulator", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ubaldo-leon-304012", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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": 12, "score": 51.8, "loan_officer": { "nmls_id": 436859, "slug": "kevin-giza-436859", "full_name": "Kevin Giza", "canonical_url": "https://lendb.ai/lo/kevin-giza-436859", "json_url": "https://lendb.ai/lo/kevin-giza-436859.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Pittsburgh", "state": "PA" }, "licensed_states": [ "FL", "OH", "PA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-06-27", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/pittsburgh-pa-2566/kevin-giza/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 27, 2021 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kevin-giza-436859", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/pittsburgh-pa-2566/kevin-giza/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 51.8, "loan_officer": { "nmls_id": 880676, "slug": "kathleen-redman-880676", "full_name": "Kate Redman", "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676", "json_url": "https://lendb.ai/lo/kathleen-redman-880676.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Evans", "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": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-11-19", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/evans-ga-3656/kathleen-redman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 19, 2018 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/evans-ga-3656/kathleen-redman/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 14, "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": "confirmed" }, { "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": "confirmed" }, { "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": null, "earliest_license_record": { "date": "2023-12-04", "state": "FL" }, "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)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 4, 2023 (Florida), per state regulator", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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": 15, "score": 51.3, "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": "confirmed" }, { "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": "confirmed" }, { "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": null, "earliest_license_record": { "date": "2007-07-14", "state": "CO" }, "licensed_since": { "year": 2007, "state": "CO" }, "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)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 14, 2007 (Colorado), per state regulator" ], "canonical_url": "https://lendb.ai/lo/gerald-sundt-168111", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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": 16, "score": 49.8, "loan_officer": { "nmls_id": 181137, "slug": "scott-phillips-181137", "full_name": "Scott Phillips", "canonical_url": "https://lendb.ai/lo/scott-phillips-181137", "json_url": "https://lendb.ai/lo/scott-phillips-181137.json", "lender": { "nmls_id": 86548, "name": "First Heritage Mortgage", "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "DC", "DE", "GA", "MD", "NC", "PA", "SC", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-03-01", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://fhmtg.com/officers/scott-phillips/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 1, 2024 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/scott-phillips-181137", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/scott-phillips/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 17, "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": "confirmed" }, { "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": "confirmed" }, { "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": null, "earliest_license_record": { "date": "2010-11-22", "state": "FL" }, "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)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 22, 2010 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-mizrahi-188831", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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": 18, "score": 49.8, "loan_officer": { "nmls_id": 1493984, "slug": "travis-blayton-1493984", "full_name": "Travis Blayton", "canonical_url": "https://lendb.ai/lo/travis-blayton-1493984", "json_url": "https://lendb.ai/lo/travis-blayton-1493984.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Florence", "state": "SC" }, "licensed_states": [ "GA", "IN", "NC", "SC" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/florence-sc-4123/michael-blayton/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Florence, SC", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/travis-blayton-1493984", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/florence-sc-4123/michael-blayton/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 49.8, "loan_officer": { "nmls_id": 2290099, "slug": "francisco-sanchez-2290099", "full_name": "Frank Sanchez", "canonical_url": "https://lendb.ai/lo/francisco-sanchez-2290099", "json_url": "https://lendb.ai/lo/francisco-sanchez-2290099.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Katy", "state": "TX" }, "licensed_states": [ "FL", "AL", "AR", "IA", "KS", "LA", "OK", "OR", "SC", "TX", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "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": null, "earliest_license_record": { "date": "2022-02-22", "state": "TX" }, "licensed_since": { "year": 2022, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/frank-sanchez", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 22, 2022 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/francisco-sanchez-2290099", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.barrettfinancial.com/frank-sanchez" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 49.5, "loan_officer": { "nmls_id": 279339, "slug": "brian-prahl-279339", "full_name": "Brian Prahl", "canonical_url": "https://lendb.ai/lo/brian-prahl-279339", "json_url": "https://lendb.ai/lo/brian-prahl-279339.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "SC" }, "licensed_states": [ "FL", "GA", "NC", "SC", "TN", "TX", "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": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2015-07-29", "state": "TX" }, "licensed_since": { "year": 2015, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/lexington-sc-4120/brian-prahl/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)", "Office in Lexington, SC", "SC listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Earliest state license record: April 20, 2017 (Colorado), per state regulator", "States 13 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/samuel-mcmullen-1605300", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/brentwood-tn-2834/samuel-mcmullen/" }, "match_status": "exact", "matched_specialties": [ "non-qm" ], "unconfirmed_specialties": [] } ] }