{
  "canonical_url": "https://lendb.ai/s/non-qm/tennessee",
  "summary": "As of 2026-10-11, LenDb lists 100 loan officers licensed in or based in Tennessee whose lender pages show Non-QM loan work. The top-ranked are James Perfilio (Churchill Mortgage, Brentwood), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Nick Redhead (Embrace Home Loans, Pensacola). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "non-qm",
  "state": "TN",
  "total": 100,
  "last_verified": "2026-10-11",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 945664,
        "slug": "jamie-perfilio-945664",
        "full_name": "James Perfilio",
        "canonical_url": "https://lendb.ai/lo/jamie-perfilio-945664",
        "json_url": "https://lendb.ai/lo/jamie-perfilio-945664.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "TN"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "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": "self-employed",
            "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": "2021-02-17",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/james-perfilio",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "Office in Brentwood, TN",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 17, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jamie-perfilio-945664",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/james-perfilio"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 491678,
        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
        "json_url": "https://lendb.ai/lo/jose-magallanes-491678.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",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "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": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "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": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-09-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 5, 2023 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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-4169/jose-magallanes/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 594824,
        "slug": "nicholas-redhead-594824",
        "full_name": "Nick Redhead",
        "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824",
        "json_url": "https://lendb.ai/lo/nicholas-redhead-594824.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Pensacola",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "LA",
          "TN"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "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"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-08-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/nick-redhead",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 20, 2021 (Florida), per state regulator",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/florida/tampa/nick-redhead"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 185523,
        "slug": "rebecca-molnar-185523",
        "full_name": "Rebecca Molnar",
        "canonical_url": "https://lendb.ai/lo/rebecca-molnar-185523",
        "json_url": "https://lendb.ai/lo/rebecca-molnar-185523.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Sarasota",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "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": "usda",
            "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": null,
        "earliest_license_record": {
          "date": "2026-07-14",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-8324/rebecca-molnar/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 14, 2026 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/rebecca-molnar-185523",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/sarasota-fl-8324/rebecca-molnar/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 232133,
        "slug": "chad-emerson-232133",
        "full_name": "Chad Emerson",
        "canonical_url": "https://lendb.ai/lo/chad-emerson-232133",
        "json_url": "https://lendb.ai/lo/chad-emerson-232133.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Shavano Park",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "IN",
          "KS",
          "MI",
          "MO",
          "NC",
          "OH",
          "OK",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 27,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/chad-emerson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-11)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 23, 2023 (Florida), per state regulator",
        "States 27 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/chad-emerson-232133",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-11",
        "source_url": "https://www.cmghomeloans.com/mysite/chad-emerson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "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": "lender_reported"
          },
          {
            "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)",
        "TN 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": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "CA",
          "GA",
          "IL",
          "KY",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "FL"
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          "state": "CA"
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          "AZ",
          "CA",
          "GA",
          "HI",
          "IL",
          "IN",
          "MT",
          "NM",
          "NV",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
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            "confidence": "lender_reported"
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            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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            "state": "TN",
            "confidence": "lender_reported"
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        },
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          "state": "CO"
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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      ],
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        "state": "TN",
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        "eligible": true,
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        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/"
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        "canonical_url": "https://lendb.ai/lo/sean-frith-1090092",
        "json_url": "https://lendb.ai/lo/sean-frith-1090092.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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          "city": "Destin",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "OH",
          "TN",
          "TX"
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            "confidence": "lender_reported"
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            "state": "FL",
            "confidence": "confirmed"
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            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          "state": "FL"
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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      "rank": 10,
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        "slug": "karen-chiu-611778",
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        "json_url": "https://lendb.ai/lo/karen-chiu-611778.json",
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          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "LA",
          "MI",
          "MO",
          "NC",
          "NV",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
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            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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            "state": "TX",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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            "slug": "new-construction",
            "evidence": "lender_page_text"
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        },
        "licensed_since": {
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          "state": "CO"
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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        "source_url": "https://crosscountrymortgage.com/san-gabriel-ca-3255/karen-chiu/"
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      "rank": 11,
      "score": 51.8,
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        "slug": "christopher-drane-19621",
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        "canonical_url": "https://lendb.ai/lo/christopher-drane-19621",
        "json_url": "https://lendb.ai/lo/christopher-drane-19621.json",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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          "city": "Clarksville",
          "state": "IN"
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        "licensed_states": [
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          "GA",
          "IN",
          "KY",
          "TN"
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        "licenses": [
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            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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            "slug": "first-time-buyer",
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            "slug": "manufactured",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
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            "slug": "down-payment-assistance",
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        "licensed_since": {
          "year": 2022,
          "state": "FL"
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      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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        "json_url": "https://lendb.ai/lo/andrew-marquis-29861.json",
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          "SC",
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          "VA",
          "VT",
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
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          {
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "ME",
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
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          {
            "state": "TX",
            "confidence": "lender_reported"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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            "state": "VT",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          "date": "2020-01-15",
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        "licensed_since": {
          "year": 2020,
          "state": "FL"
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        "years_experience": 22,
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      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-marquis-29861",
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/"
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        "non-qm"
      ],
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    {
      "rank": 13,
      "score": 51.8,
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        "canonical_url": "https://lendb.ai/lo/sandra-smith-200651",
        "json_url": "https://lendb.ai/lo/sandra-smith-200651.json",
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          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
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          "state": "GA"
        },
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          "AL",
          "GA",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
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          "state": "FL"
        },
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          "state": "FL"
        },
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      },
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "TN 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",
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          "AK",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MO",
          "NE",
          "NM",
          "NV",
          "OK",
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          "TN",
          "TX",
          "WA"
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            "state": "AZ",
            "confidence": "lender_reported"
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "lender_reported"
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          {
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          {
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          {
            "state": "IL",
            "confidence": "lender_reported"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "MO",
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            "state": "NE",
            "confidence": "lender_reported"
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            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
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            "state": "WA",
            "confidence": "lender_reported"
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          {
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        "source_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/"
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          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
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          "state": "TX"
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          "CO",
          "KS",
          "NC",
          "NM",
          "TN"
        ],
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            "state": "FL",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        ],
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          {
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          {
            "slug": "jumbo",
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          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
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            "evidence": "lender_page_text"
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          "state": "CO"
        },
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      },
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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        "Earliest state license record: October 17, 2022 (Colorado), per state regulator",
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          "CA",
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          "MA",
          "MT",
          "NV",
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            "state": "CA",
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      "rank": 17,
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        "slug": "steven-maizes-250590",
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        "canonical_url": "https://lendb.ai/lo/steven-maizes-250590",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "AZ",
          "CA",
          "CO",
          "MA",
          "MT",
          "NJ",
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            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "state": "MA",
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
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          {
            "state": "TN",
            "confidence": "lender_reported"
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            "state": "TX",
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      "rank": 18,
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        "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",
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          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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          "AZ",
          "CA",
          "HI",
          "ID",
          "LA",
          "NV",
          "NY",
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          "PA",
          "SC",
          "TN",
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          "VA"
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          {
            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "HI",
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "NY",
            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
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          {
            "state": "TX",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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          "year": 2023,
          "state": "FL"
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        "years_experience": 22,
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        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
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      ],
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        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/lewisville-tx-3372/ubaldo-leon-iii/"
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      "score": 51.8,
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        "canonical_url": "https://lendb.ai/lo/kim-jones-324221",
        "json_url": "https://lendb.ai/lo/kim-jones-324221.json",
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          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
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        },
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          "PA",
          "TN",
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          "CA",
          "ID",
          "NJ",
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          "TN",
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            "state": "CA",
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          "GA",
          "NC",
          "SC",
          "TN"
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          {
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            "state": "NV",
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            "state": "NY",
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          {
            "state": "OH",
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          {
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          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "RI",
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          {
            "state": "SC",
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          {
            "state": "SD",
            "confidence": "lender_reported"
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          {
            "state": "TN",
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          {
            "state": "TX",
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          {
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            "confidence": "lender_reported"
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            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "VT",
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            "confidence": "lender_reported"
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        "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175",
        "json_url": "https://lendb.ai/lo/kristina-hayes-1057175.json",
        "lender": {
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          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
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          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "ND",
          "OR",
          "TN",
          "VA",
          "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": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2013-09-12",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Non-QM loan on lender page (lender page, verified 2026-10-09)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 12, 2013 (Colorado), per state regulator",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes"
      },
      "match_status": "exact",
      "matched_specialties": [
        "non-qm"
      ],
      "unconfirmed_specialties": []
    }
  ]
}