{ "canonical_url": "https://lendb.ai/s/refinance/arizona", "summary": "As of 2026-10-26, LenDb lists 270 loan officers licensed in or based in Arizona whose lender pages show Refinance work. The top-ranked are Eric Raso (CMG Home Loans, Tempe), Camille Olson (Barrett Financial Group, Chandler) and Harmony Moyer (Barrett Financial Group, Chandler). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "AZ", "total": 270, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 61, "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)", "Office in Tempe, AZ", "AZ 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": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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": 2, "score": 61, "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)", "Office in Chandler, AZ", "AZ 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": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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": 3, "score": 59.5, "loan_officer": { "nmls_id": 2616300, "slug": "harmony-moyer-2616300", "full_name": "Harmony Moyer", "licensed_names": [ { "name": "Harmony Moyer", "name_with_middle_initial": "Harmony R. Moyer", "first_name": "Harmony", "middle_initial": "R", "last_name": "Moyer", "states": [ "CA", "OR" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/harmony-moyer-2616300", "json_url": "https://lendb.ai/lo/harmony-moyer-2616300.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/1b5423522a25c03881df3265fb6b6593c295454e.png", "licensed_states": [ "AZ", "IL", "OR", "CA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2025-05-21", "state": "IL" }, "licensed_since": { "year": 2025, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/harmony-moyer", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Chandler, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 21, 2025 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/harmony-moyer-2616300", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.barrettfinancial.com/harmony-moyer" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 59, "loan_officer": { "nmls_id": 241577, "slug": "beverly-liesy-241577", "full_name": "Beverly Liesy", "licensed_names": [ { "name": "Beverly Liesy", "name_with_middle_initial": "Beverly L. Liesy", "first_name": "Beverly", "middle_initial": "L", "last_name": "Liesy", "states": [ "CA", "FL", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "json_url": "https://lendb.ai/lo/beverly-liesy-241577.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "headshot_url": "https://caliberamp.dmplocal.com/files/form_images/d2/9f/4e/5906/0.12677200_1588793679-test.jpg", "licensed_states": [ "FL", "TX", "OR", "CA", "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-04-30", "state": "OR" }, "licensed_since": { "year": 2019, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://www.newrez.com/find-loan-officer/beverly-liesy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 30, 2019 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://www.newrez.com/find-loan-officer/beverly-liesy/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 59, "loan_officer": { "nmls_id": 865895, "slug": "kathleen-spicuzza-865895", "full_name": "Kathleen Spicuzza", "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "json_url": "https://lendb.ai/lo/kathleen-spicuzza-865895.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": "Las Vegas", "state": "NV" }, "headshot_url": "https://thevault.ccm.com/m/6cb897a66295b38f/Website-3493_Spicuzza_865895.jpg", "licensed_states": [ "FL", "AZ", "CA", "NV", "TN", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-09-18", "state": "CA" }, "licensed_since": { "year": 2019, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 18, 2019 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 57.5, "loan_officer": { "nmls_id": 215947, "slug": "manny-lopez-215947", "full_name": "Manny Lopez", "canonical_url": "https://lendb.ai/lo/manny-lopez-215947", "json_url": "https://lendb.ai/lo/manny-lopez-215947.json", "lender": { "nmls_id": 93718, "name": "Homeowners Financial Group", "slug": "homeowners-financial-group-93718", "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "headshot_url": "https://homeownersfg.com/wp-content/uploads/2020/04/Manny-Lopez.jpg", "licensed_states": [ "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "asset-based", "bank-statement", "condo", "condo-non-warrantable", "condotel", "down-payment-assistance", "dscr", "fha", "investor", "jumbo", "physician", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 13, "lender_profile_url": "https://homeownersfg.com/mannylopez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 13 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/manny-lopez-215947", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://homeownersfg.com/mannylopez/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 56.5, "loan_officer": { "nmls_id": 133559, "slug": "steven-hochrein-133559", "full_name": "Steve Hochrein", "licensed_names": [ { "name": "Steven Hochrein", "name_with_middle_initial": "Steven F. Hochrein", "first_name": "Steven", "middle_initial": "F", "last_name": "Hochrein", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "LA", "MA", "MD", "MO", "NY", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Steven Hochrein", "name_with_middle_initial": null, "first_name": "Steven", "middle_initial": null, "last_name": "Hochrein", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559", "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": "https://www.newrez.com/media/l0dokb2s/steven-hochrein-1.jpg?width=460&height=614&rmode=crop&format=webp&quality=80", "licensed_states": [ "FL", "TX", "CT", "LA", "DE", "MO", "AZ", "MA", "AR", "IA", "WI", "CA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-02-21", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 21, 2011 (Florida), per state regulator", "States 14 years of experience (lender page, 2026-10-14)" ], "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-14", "source_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 56, "loan_officer": { "nmls_id": 2594753, "slug": "megan-schmidt-2594753", "full_name": "Megan Schmidt", "licensed_names": [ { "name": "Megan Schmidt", "name_with_middle_initial": "Megan L. Schmidt", "first_name": "Megan", "middle_initial": "L", "last_name": "Schmidt", "states": [ "CA", "CO", "OR", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/megan-schmidt-2594753", "json_url": "https://lendb.ai/lo/megan-schmidt-2594753.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": "Scottsdale", "state": "AZ" }, "headshot_url": "https://thevault.ccm.com/asset/76438047-4641-4ba4-8dbd-0f6e98641c64/Website/5281_Schmidt_2594753.jpg", "licensed_states": [ "CO", "OR", "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" } ], "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" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "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": "2024-05-24", "state": "OR" }, "licensed_since": { "year": 2024, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-5281/megan-schmidt/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Earliest state license record: April 26, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/columbia-md-4469/michael-schuster/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 18, "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)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 21, 2023 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/cleveland-oh-2131/darryn-joyce/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 19, "score": 50.3, "loan_officer": { "nmls_id": 128384, "slug": "evan-jansen-128384", "full_name": "Evan Jansen", "licensed_names": [ { "name": "Evan Jansen", "name_with_middle_initial": "Evan L. 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