{ "canonical_url": "https://lendb.ai/s/refinance/florida", "summary": "As of 2026-10-26, LenDb lists 157 loan officers licensed in or based in Florida whose lender pages show Refinance work. The top-ranked are Dan Lolli (Guaranteed Rate Affinity, LLC, Naples), Katherine Rivas (Embrace Home Loans, Viera) and William Gonzalez (OM Mortgage, LLC, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "FL", "total": 157, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 67.8, "loan_officer": { "nmls_id": 375497, "slug": "daniel-lolli-375497", "full_name": "Dan Lolli", "licensed_names": [ { "name": "Daniel Lolli", "name_with_middle_initial": "Daniel T. Lolli", "first_name": "Daniel", "middle_initial": "T", "last_name": "Lolli", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/daniel-lolli-375497", "json_url": "https://lendb.ai/lo/daniel-lolli-375497.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "headshot_url": "https://a.mktgcdn.com/p/KgGD2TUx5QcOTNx5JFVfshX6FDNhNmCgjMDiL7T2kag/1060x1290.jpg", "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-03-17", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.grarate.com/loan-officers/dan-lolli-375497", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Naples, FL", "Licensed in FL: confirmed with the Florida regulator (license LO4075), verified 2026-10-15", "Earliest state license record: March 17, 2011 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/daniel-lolli-375497", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO4075), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 65.8, "loan_officer": { "nmls_id": 1005484, "slug": "katherine-rivas-1005484", "full_name": "Katherine Rivas", "licensed_names": [ { "name": "Katherine Rivas", "name_with_middle_initial": "Katherine R. Rivas", "first_name": "Katherine", "middle_initial": "R", "last_name": "Rivas", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/katherine-rivas-1005484", "json_url": "https://lendb.ai/lo/katherine-rivas-1005484.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": "Viera", "state": "FL" }, "headshot_url": "https://www.embracehomeloans.com/media/xbofnphd/krivas_bio72.jpg", "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "fha", "investor", "jumbo", "low-credit", "multi-family-2-4", "recent-credit-event", "renovation", "rural", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-07-25", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/florida/viera/katherine-rivas", "disciplinary_check": "not_checked" }, "reasons": [ "Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-21)", "Office in Viera, FL", "Licensed in FL: confirmed with the Florida regulator (license LO55112), verified 2026-10-15", "Earliest state license record: July 25, 2018 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/katherine-rivas-1005484", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO55112), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 64.8, "loan_officer": { "nmls_id": 141405, "slug": "william-gonzalez-141405", "full_name": "William Gonzalez", "canonical_url": "https://lendb.ai/lo/william-gonzalez-141405", "json_url": "https://lendb.ai/lo/william-gonzalez-141405.json", "lender": { "nmls_id": 1972491, "name": "OM Mortgage, LLC", "slug": "om-mortgage-llc-1972491", "canonical_url": "https://lendb.ai/lender/om-mortgage-llc-1972491", "type": "other" }, "branch": { "city": "Tampa", "state": "FL" }, "headshot_url": null, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2011-07-08", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://om-mortgage.com/our-team/william-gonzalez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-23)", "Office in Tampa, FL", "Licensed in FL: confirmed with the Florida regulator (license LO8155), verified 2026-10-15", "Earliest state license record: July 8, 2011 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/william-gonzalez-141405", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO8155), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 62.5, "loan_officer": { "nmls_id": 410338, "slug": "kimberly-shuey-410338", "full_name": "Kim Shuey", "licensed_names": [ { "name": "Kimberly Shuey", "name_with_middle_initial": "Kimberly A. Shuey", "first_name": "Kimberly", "middle_initial": "A", "last_name": "Shuey", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Kimberly Shuey", "name_with_middle_initial": null, "first_name": "Kimberly", "middle_initial": null, "last_name": "Shuey", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "slug": "mutual-of-omaha-mortgage-1025894", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg", "licensed_states": [ "FL", "CO", "TX", "CT", "DE", "MO", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "dscr", "heloc", "investor", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-07-22", "state": "TX" }, "licensed_since": { "year": 2011, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in FL: confirmed with the Florida regulator (license LO56335), verified 2026-10-15", "Earliest state license record: July 22, 2011 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO56335), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 62.3, "loan_officer": { "nmls_id": 1407263, "slug": "chelsea-masterson-1407263", "full_name": "Chelsea Masterson", "licensed_names": [ { "name": "Chelsea Masterson", "name_with_middle_initial": "Chelsea L. Masterson", "first_name": "Chelsea", "middle_initial": "L", "last_name": "Masterson", "states": [ "FL", "NY" ], "source": "state_regulator", "as_of": "2026-10-13" } ], "canonical_url": "https://lendb.ai/lo/chelsea-masterson-1407263", "json_url": "https://lendb.ai/lo/chelsea-masterson-1407263.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": "Sarasota", "state": "FL" }, "headshot_url": null, "licensed_states": [ "FL", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "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": "2024-05-08", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-4773/chelsea-masterson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "Office in Sarasota, FL", "Licensed in FL: confirmed with the Florida regulator (license LO128512), verified 2026-10-15", "Earliest state license record: May 8, 2024 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/chelsea-masterson-1407263", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO128512), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 62, "loan_officer": { "nmls_id": 144473, "slug": "james-sarver-144473", "full_name": "Jim Sarver", "licensed_names": [ { "name": "James Sarver", "name_with_middle_initial": "James E. Sarver", "first_name": "James", "middle_initial": "E", "last_name": "Sarver", "states": [ "FL", "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/james-sarver-144473", "json_url": "https://lendb.ai/lo/james-sarver-144473.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Mount Pleasant", "state": "SC" }, "headshot_url": "https://caliberamp.dmplocal.com/files/form_images/cd/8d/c1/15836/14079_1user_photoJim_Sarver.jpg", "licensed_states": [ "FL", "PA", "GA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" } ], "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": "2022-01-26", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.newrez.com/find-loan-officer/jim-sarver/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in FL: confirmed with the Florida regulator (license LO101155), verified 2026-10-15", "Earliest state license record: January 26, 2022 (Florida), per state regulator", "States 30 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/james-sarver-144473", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO101155), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 62, "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)", "Licensed in FL: confirmed with the Florida regulator (license LO130606), verified 2026-10-15", "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": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO130606), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 62, "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)", "Licensed in FL: confirmed with the Florida regulator (license LO107703), verified 2026-10-15", "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": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO107703), verified 2026-10-15", "verified_at": "2026-10-15", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 9, "score": 61.5, "loan_officer": { "nmls_id": 1598158, "slug": "richard-sowers-1598158", "full_name": "Ricky Sowers", "licensed_names": [ { "name": "Richard Sowers", "name_with_middle_initial": "Richard W. 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