{ "canonical_url": "https://lendb.ai/s/refinance/alabama", "summary": "As of 2026-10-26, LenDb lists 132 loan officers licensed in or based in Alabama whose lender pages show Refinance work. The top-ranked are Ryan Perrenoud (Bayshore Mortgage Funding, LLC), Alan Easterwood (TowneBank Mortgage, Anniston) and Jason Stallworth (Embrace Home Loans, Amityville). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "AL", "total": 132, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 55.3, "loan_officer": { "nmls_id": 250511, "slug": "ryan-perrenoud-250511", "full_name": "Ryan Perrenoud", "licensed_names": [ { "name": "Ryan Perrenoud", "name_with_middle_initial": "Ryan R. Perrenoud", "first_name": "Ryan", "middle_initial": "R", "last_name": "Perrenoud", "states": [ "AR", "CA", "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/ryan-perrenoud-250511", "json_url": "https://lendb.ai/lo/ryan-perrenoud-250511.json", "lender": { "nmls_id": 196858, "name": "Bayshore Mortgage Funding, LLC", "slug": "bayshore-mortgage-funding-llc-196858", "canonical_url": "https://lendb.ai/lender/bayshore-mortgage-funding-llc-196858", "type": "imb" }, "branch": { "city": null, "state": null }, "headshot_url": "https://bayshoremortgagefunding.com/wp-content/uploads/Ryan-Headshot-2026.jpg", "licensed_states": [ "FL", "TX", "AR", "AL", "CA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-07-26", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://bayshoremortgagefunding.com/team-directory/ryan-perrenoud/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 26, 2010 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/ryan-perrenoud-250511", "license_check": { "state": "AL", "confidence": "lender_reported", "eligible": true, "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://bayshoremortgagefunding.com/team-directory/ryan-perrenoud/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 52.8, "loan_officer": { "nmls_id": 644550, "slug": "alan-easterwood-644550", "full_name": "Alan Easterwood", "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550", "json_url": "https://lendb.ai/lo/alan-easterwood-644550.json", "lender": { "nmls_id": 512138, "name": "TowneBank Mortgage", "slug": "townebank-mortgage-512138", "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138", "type": "bank" }, "branch": { "city": "Anniston", "state": "AL" }, "headshot_url": "https://townebankmortgage.com/getattachment/40ee8ae9-c02d-4f22-a301-dd2596d109d1/Easterwood_Alan_Web-(1).jpg?lang=en-US&ext=.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "construction", "down-payment-assistance", "fha", "first-time-buyer", "investor", "jumbo", "renovation", "usda", "va" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://townebankmortgage.com/officers/alan-easterwood/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Anniston, AL", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/alan-easterwood-644550", "license_check": { "state": "AL", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-20", "source_url": null }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 51.5, "loan_officer": { "nmls_id": 7577, "slug": "jason-stallworth-7577", "full_name": "Jason Stallworth", "licensed_names": [ { "name": "Jason Stallworth", "name_with_middle_initial": "Jason C. Stallworth", "first_name": "Jason", "middle_initial": "C", "last_name": "Stallworth", "states": [ "DE", "FL", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "json_url": "https://lendb.ai/lo/jason-stallworth-7577.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "slug": "embrace-home-loans-2184", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Amityville", "state": "NY" }, "headshot_url": "https://www.embracehomeloans.com/media/54rhdaki/jstallworth_bio72.jpg", "licensed_states": [ "FL", "PA", "NY", "DE", "AL", "DC", "GA", "NJ", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "investor", "jumbo", "low-credit", "multi-family-2-4", "new-construction", "recent-credit-event", "renovation", "rural", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-11-24", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 24, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "license_check": { "state": "AL", "confidence": "lender_reported", "eligible": true, "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 51.5, "loan_officer": { "nmls_id": 2268018, "slug": "william-white-2268018", "full_name": "Bill White", "licensed_names": [ { "name": "William White", "name_with_middle_initial": "William G. White", "first_name": "William", "middle_initial": "G", "last_name": "White", "states": [ "FL", "NY", "TX" ], "source": "state_regulator", "as_of": "2026-10-13" }, { "name": "William White", "name_with_middle_initial": null, "first_name": "William", "middle_initial": null, "last_name": "White", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/william-white-2268018", "json_url": "https://lendb.ai/lo/william-white-2268018.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cincinnati", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/asset/72bea30b-7266-419d-aa15-a1865388b78a/Website/2118_White_2268018.jpg", "licensed_states": [ "FL", "TX", "WI", "AL", "GA", "IL", "IN", "KY", "MI", "NC", "OH", "OK", "PA", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-12-13", "state": "IL" }, "licensed_since": { "year": 2021, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 13, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/william-white-2268018", "license_check": { "state": "AL", "confidence": "lender_reported", "eligible": true, "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 51, "loan_officer": { "nmls_id": 457108, "slug": "eric-raso-457108", "full_name": "Eric Raso", "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "json_url": "https://lendb.ai/lo/eric-raso-457108.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "PA", "TX", "AL", "AR", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "RI", "SC", "SD", "TN", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "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": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-08-27", "state": "CO" }, "licensed_since": { "year": 2014, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 27, 2014 (Colorado), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "license_check": { "state": "AL", "confidence": "lender_reported", "eligible": true, "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/eric-raso" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 51, "loan_officer": { "nmls_id": 474281, "slug": "camille-olson-474281", "full_name": "Camille Olson", "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "json_url": "https://lendb.ai/lo/camille-olson-474281.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/399b5a7cc06eecffd4ee216b35d93aab857d4c12.png", "licensed_states": [ "CO", "TX", "AL", "AZ", "GA", "ID", "MT", "NV", "OH", "OK", "UT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2014-07-10", "state": "TX" }, "licensed_since": { "year": 2014, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/colson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-19)", "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 10, 2014 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "license_check": { "state": "AL", "confidence": "lender_reported", "eligible": true, "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://www.barrettfinancial.com/colson" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 50.5, "loan_officer": { "nmls_id": 2540027, "slug": "dj-joyce-2540027", "full_name": "DJ Joyce", "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027", "json_url": "https://lendb.ai/lo/dj-joyce-2540027.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cleveland", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/asset/d674e21d-6de3-4207-8c40-2309a617a37f/Website/2131_Joyce_2540027.jpg", "licensed_states": [ "CA", "OR", "AL", "AZ", "CO", "IN", "KY", "ME", "NH", "OH", "OK", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-12-21", "state": "OR" }, "licensed_since": { "year": 2023, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/darryn-joyce/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "AL listed on their lender page (not yet checked with the state regulator; 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Lewis", "first_name": "Heather", "middle_initial": "R", "last_name": "Lewis", "states": [ "FL", "IA" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "canonical_url": "https://lendb.ai/lo/heather-lewis-1876917", "json_url": "https://lendb.ai/lo/heather-lewis-1876917.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Huntsville", "state": "AL" }, "headshot_url": "https://thevault.ccm.com/asset/593e29bf-5a67-4bcd-a8f4-d4e49c3e398e/Website/4180_Lewis_1876917.jpg", "licensed_states": [ "AL", "MS" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-10-16", "state": "FL" }, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/huntsville-al-4180/heather-lewis/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Huntsville, AL", "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 16, 2019 (Florida), per state regulator", "States 10 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/heather-lewis-1876917", "license_check": { "state": "AL", "confidence": "lender_reported", "eligible": true, "label": "AL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/huntsville-al-4180/heather-lewis/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 24, "score": 28.1, "loan_officer": { "nmls_id": 1660787, "slug": "clyde-bell-1660787", "full_name": "Clyde Bell", "licensed_names": [ { "name": "Clyde Bell", "name_with_middle_initial": "Clyde A. 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