{ "canonical_url": "https://lendb.ai/s/refinance/maryland", "summary": "As of 2026-10-26, LenDb lists 43 loan officers licensed in or based in Maryland whose lender pages show Refinance work. The top-ranked are Steve Hochrein (Newrez, Columbia), Jason Inglish (ALCOVA Mortgage, Cumberland) and James Conley (CrossCountry Mortgage, Columbia). Ranking is lender-neutral: specialty evidence first, then a license in MD, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "MD", "total": 43, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 69.5, "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)", "Office in Columbia, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "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": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 68, "loan_officer": { "nmls_id": 934863, "slug": "jason-inglish-934863", "full_name": "Jason Inglish", "licensed_names": [ { "name": "Jason Inglish", "name_with_middle_initial": "Jason M. Inglish", "first_name": "Jason", "middle_initial": "M", "last_name": "Inglish", "states": [ "FL", "MD", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "json_url": "https://lendb.ai/lo/jason-inglish-934863.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "slug": "alcova-mortgage-40508", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Cumberland", "state": "MD" }, "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/jason-inglish.png", "licensed_states": [ "FL", "PA", "MD", "OH", "SC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "dscr", "heloc", "jumbo", "reverse", "self-employed" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-07-26", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://alcova.com/loan-officer/jinglish/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Cumberland, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: July 26, 2022 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 65, "loan_officer": { "nmls_id": 2026522, "slug": "james-conley-2026522", "full_name": "James Conley", "licensed_names": [ { "name": "James Conley", "name_with_middle_initial": "James F. Conley", "first_name": "James", "middle_initial": "F", "last_name": "Conley", "states": [ "CA", "DE", "FL", "MD", "OR" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "json_url": "https://lendb.ai/lo/james-conley-2026522.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": "Columbia", "state": "MD" }, "headshot_url": "https://thevault.ccm.com/asset/e68c2163-72ff-4cf2-be0b-6257dac819af/Website/4469_Conley_2026522.jpg", "licensed_states": [ "FL", "DE", "OR", "CA", "AZ", "DC", "GA", "MD", "MI", "PA", "TN", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "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" } ], "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": "2022-08-03", "state": "WI" }, "licensed_since": { "year": 2022, "state": "WI" }, "years_experience": 6, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Columbia, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: August 3, 2022 (Wisconsin), per state regulator", "States 6 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 64.5, "loan_officer": { "nmls_id": 1980879, "slug": "michael-schuster-1980879", "full_name": "Mike Schuster", "licensed_names": [ { "name": "Michael Schuster", "name_with_middle_initial": "Michael H. Schuster", "first_name": "Michael", "middle_initial": "H", "last_name": "Schuster", "states": [ "CA", "CO", "CT", "DE", "FL", "MD", "NY", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Michael Schuster", "name_with_middle_initial": null, "first_name": "Michael", "middle_initial": null, "last_name": "Schuster", "states": [ "IL" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "json_url": "https://lendb.ai/lo/michael-schuster-1980879.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": "Columbia", "state": "MD" }, "headshot_url": null, "licensed_states": [ "FL", "CO", "PA", "TX", "CA", "DE", "AZ", "GA", "IL", "IN", "MD", "ME", "MI", "MT", "NC", "SC", "SD", "TN", "VA", "WA", "WV", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "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": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "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" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-04-26", "state": "IL" }, "licensed_since": { "year": 2021, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Columbia, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: April 26, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 64, "loan_officer": { "nmls_id": 2399625, "slug": "john-hand-2399625", "full_name": "Tim Hand", "canonical_url": "https://lendb.ai/lo/john-hand-2399625", "json_url": "https://lendb.ai/lo/john-hand-2399625.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "slug": "first-home-mortgage-71603", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Dunkirk", "state": "MD" }, "headshot_url": "https://firsthome.com/wp-content/uploads/2024/04/Hand-Tim.jpg", "licensed_states": [ "FL", "DC", "MD", "NC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "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": [ "construction", "down-payment-assistance", "fha", "jumbo", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-12-27", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/tim-hand/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Dunkirk, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: December 27, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/john-hand-2399625", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "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 MD: confirmed with the Maryland regulator, verified 2026-10-26", "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": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 62, "loan_officer": { "nmls_id": 175801, "slug": "stephen-vallance-175801", "full_name": "Steve Vallance", "licensed_names": [ { "name": "Stephen Vallance", "name_with_middle_initial": "Stephen C. Vallance", "first_name": "Stephen", "middle_initial": "C", "last_name": "Vallance", "states": [ "FL", "MD", "PA", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/stephen-vallance-175801", "json_url": "https://lendb.ai/lo/stephen-vallance-175801.json", "lender": { "nmls_id": 113054, "name": "The Mortgage Link, Inc.", "slug": "the-mortgage-link-inc-113054", "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054", "type": "imb" }, "branch": { "city": "Rockville", "state": "MD" }, "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Steve%20Vallance.png", "licensed_states": [ "FL", "TX", "PA", "DC", "MD" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-03-30", "state": "TX" }, "licensed_since": { "year": 2022, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.themortgagelink.com/loan-officer/steve-vallance", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Rockville, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: March 30, 2022 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/stephen-vallance-175801", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 61, "loan_officer": { "nmls_id": 95809, "slug": "stephanie-o-farrell-95809", "full_name": "Stephanie O'Farrell", "licensed_names": [ { "name": "Stephanie O'Farrell", "name_with_middle_initial": "Stephanie L. O'Farrell", "first_name": "Stephanie", "middle_initial": "L", "last_name": "O'Farrell", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "json_url": "https://lendb.ai/lo/stephanie-o-farrell-95809.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/2026/08/Stephanie_OFarrell.png", "licensed_states": [ "FL", "CO", "TX", "CT", "LA", "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": "LA", "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": "2008-11-17", "state": "IL" }, "licensed_since": { "year": 2008, "state": "IL" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/sofarrell/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: November 17, 2008 (Illinois), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 9, "score": 60.8, "loan_officer": { "nmls_id": 1722079, "slug": "martha-pfeiffer-1722079", "full_name": "Martha Pfeiffer", "licensed_names": [ { "name": "Martha Pfeiffer", "name_with_middle_initial": "Martha L. Pfeiffer", "first_name": "Martha", "middle_initial": "L", "last_name": "Pfeiffer", "states": [ "DE", "MD" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/martha-pfeiffer-1722079", "json_url": "https://lendb.ai/lo/martha-pfeiffer-1722079.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": "Dover", "state": "DE" }, "headshot_url": "https://thevault.ccm.com/asset/ea892dd8-a288-48d0-b018-99e47cdf699a/Website/3859_Pfeiffer_1722079.jpg", "licensed_states": [ "DE", "MD" ], "licenses": [ { "state": "DE", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "down-payment-assistance", "dscr", "first-time-buyer", "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": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/dover-de-3859/martha-pfeiffer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/martha-pfeiffer-1722079", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 10, "score": 59, "loan_officer": { "nmls_id": 179208, "slug": "jason-fox-179208", "full_name": "Jason Fox", "licensed_names": [ { "name": "Jason Fox", "name_with_middle_initial": "Jason A. Fox", "first_name": "Jason", "middle_initial": "A", "last_name": "Fox", "states": [ "CA", "DE", "FL", "IA", "MD", "TX" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "json_url": "https://lendb.ai/lo/jason-fox-179208.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "slug": "nfm-lending-2893", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Frederick", "state": "MD" }, "headshot_url": "https://nfmlending.com/wp-content/uploads/Jason-Fox-1x1-1.png", "licensed_states": [ "FL", "DE", "TX", "CA", "CO", "DC", "IA", "IL", "IN", "MD", "MI", "MN", "NC", "PA", "SC", "TN", "VA", "WV" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "heloc" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-08-23", "state": "CA" }, "licensed_since": { "year": 2016, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Frederick, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: August 23, 2016 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 11, "score": 58.3, "loan_officer": { "nmls_id": 1030753, "slug": "jason-smith-1030753", "full_name": "Jason Smith", "licensed_names": [ { "name": "Jason Smith", "name_with_middle_initial": "Jason W. Smith", "first_name": "Jason", "middle_initial": "W", "last_name": "Smith", "states": [ "CA", "FL", "MA", "MD", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/jason-smith-1030753", "json_url": "https://lendb.ai/lo/jason-smith-1030753.json", "lender": { "nmls_id": 835555, "name": "Ladera Lending, Inc.", "slug": "ladera-lending-inc-835555", "canonical_url": "https://lendb.ai/lender/ladera-lending-inc-835555", "type": "imb" }, "branch": { "city": "Lake Forest", "state": "CA" }, "headshot_url": "https://laderalending.com/clients/12240/uploads/2021/07/Jason-Smith.jpg", "licensed_states": [ "FL", "TX", "OR", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "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": "2013-06-21", "state": "OR" }, "licensed_since": { "year": 2013, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://laderalending.com/team-member/jason-smith/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: June 21, 2013 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-smith-1030753", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 12, "score": 56, "loan_officer": { "nmls_id": 208326, "slug": "jeff-joehl-208326", "full_name": "Jeff Joehl", "licensed_names": [ { "name": "Jeffrey Joehl", "name_with_middle_initial": "Jeffrey T. Joehl", "first_name": "Jeffrey", "middle_initial": "T", "last_name": "Joehl", "states": [ "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/jeff-joehl-208326", "json_url": "https://lendb.ai/lo/jeff-joehl-208326.json", "lender": { "nmls_id": 113054, "name": "The Mortgage Link, Inc.", "slug": "the-mortgage-link-inc-113054", "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054", "type": "imb" }, "branch": { "city": "Rockville", "state": "MD" }, "headshot_url": null, "licensed_states": [ "MD" ], "licenses": [ { "state": "MD", "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": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.themortgagelink.com/loan-officer/jeff-joehl", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Rockville, MD", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "States 25 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/jeff-joehl-208326", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 13, "score": 56, "loan_officer": { "nmls_id": 1702764, "slug": "christopher-arnold-1702764", "full_name": "Christopher Arnold", "licensed_names": [ { "name": "Christopher Arnold", "name_with_middle_initial": "Christopher M. Arnold", "first_name": "Christopher", "middle_initial": "M", "last_name": "Arnold", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764", "json_url": "https://lendb.ai/lo/christopher-arnold-1702764.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Fort Washington", "state": "PA" }, "headshot_url": "https://www.newrez.com/media/aa4llk2h/chris-arnold_web.jpg?width=460&height=614&rmode=crop&format=webp&quality=80", "licensed_states": [ "FL", "TX", "CT", "DE", "MO", "AZ", "MA", "AR", "IA", "OR", "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": "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": "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": "2018-01-30", "state": "WI" }, "licensed_since": { "year": 2018, "state": "WI" }, "years_experience": null, "lender_profile_url": "https://www.newrez.com/find-loan-officer/chris-arnold/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: January 30, 2018 (Wisconsin), per state regulator" ], "canonical_url": "https://lendb.ai/lo/christopher-arnold-1702764", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 14, "score": 54.5, "loan_officer": { "nmls_id": 420787, "slug": "james-simpson-420787", "full_name": "Jim Simpson", "licensed_names": [ { "name": "James Simpson", "name_with_middle_initial": "James S. Simpson", "first_name": "James", "middle_initial": "S", "last_name": "Simpson", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "LA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "James Simpson", "name_with_middle_initial": null, "first_name": "James", "middle_initial": null, "last_name": "Simpson", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/james-simpson-420787", "json_url": "https://lendb.ai/lo/james-simpson-420787.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": null, "licensed_states": [ "FL", "CO", "TX", "CT", "LA", "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": "LA", "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": "2015-01-15", "state": "CO" }, "licensed_since": { "year": 2015, "state": "CO" }, "years_experience": 22, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/jsimpson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: January 15, 2015 (Colorado), per state regulator", "States 22 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/james-simpson-420787", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 15, "score": 54, "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)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "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": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 16, "score": 53.8, "loan_officer": { "nmls_id": 397893, "slug": "mark-gundersen-397893", "full_name": "Mark Gundersen", "licensed_names": [ { "name": "Mark Gundersen", "name_with_middle_initial": "Mark J. Gundersen", "first_name": "Mark", "middle_initial": "J", "last_name": "Gundersen", "states": [ "CA", "CO", "CT", "FL", "IA", "MA", "MD", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/mark-gundersen-397893", "json_url": "https://lendb.ai/lo/mark-gundersen-397893.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": "St. Charles", "state": "IL" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/MarkGundersen.webp", "licensed_states": [ "FL", "CO", "TX", "CT", "IA", "OR", "WI", "CA", "MA", "MD", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "dscr", "heloc", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-11-20", "state": "IL" }, "licensed_since": { "year": 2012, "state": "IL" }, "years_experience": 21, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/mgundersen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: November 20, 2012 (Illinois), per state regulator", "States 21 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/mark-gundersen-397893", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 17, "score": 53, "loan_officer": { "nmls_id": 529814, "slug": "brad-bennett-529814", "full_name": "Brad Bennett", "licensed_names": [ { "name": "Bradley Bennett", "name_with_middle_initial": null, "first_name": "Bradley", "middle_initial": null, "last_name": "Bennett", "states": [ "WI" ], "source": "state_regulator", "as_of": "2026-10-21" } ], "canonical_url": "https://lendb.ai/lo/brad-bennett-529814", "json_url": "https://lendb.ai/lo/brad-bennett-529814.json", "lender": { "nmls_id": 1330, "name": "United Mortgage Corp.", "slug": "united-mortgage-corp-1330", "canonical_url": "https://lendb.ai/lender/united-mortgage-corp-1330", "type": "imb" }, "branch": { "city": "Melville", "state": "NY" }, "headshot_url": "https://unitedmortgage.com/wp-content/uploads/2026/10/Brad-Updated-Headshot-.png", "licensed_states": [ "DE", "MD" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "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": "2017-03-21", "state": "WI" }, "licensed_since": { "year": 2017, "state": "WI" }, "years_experience": null, "lender_profile_url": "https://unitedmortgage.com/loan-officer/brad-bennett/", "disciplinary_check": "not_checked" }, "reasons": [ "Focus: Refinance (from their bio on their lender page, verified 2026-10-21)", "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 21, 2017 (Wisconsin), per state regulator" ], "canonical_url": "https://lendb.ai/lo/brad-bennett-529814", "license_check": { "state": "MD", "confidence": "lender_reported", "eligible": true, "label": "MD listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://unitedmortgage.com/loan-officer/brad-bennett/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 18, "score": 53, "loan_officer": { "nmls_id": 659221, "slug": "lenny-gordon-659221", "full_name": "Lenny Gordon", "canonical_url": "https://lendb.ai/lo/lenny-gordon-659221", "json_url": "https://lendb.ai/lo/lenny-gordon-659221.json", "lender": { "nmls_id": 399803, "name": "Truist Bank", "slug": "truist-399803", "canonical_url": "https://lendb.ai/lender/truist-399803", "type": "bank" }, "branch": { "city": "Rockville", "state": "MD" }, "headshot_url": "https://www.truist.com/content/dam/profiles/rep/G/Gordon.Lenny.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "en" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "low-credit", "new-construction", "renovation", "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": null, "lender_profile_url": "https://www.truist.com/finder/mortgage/lenny-gordon-producing-sales-manager-rockville-md-20850", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Rockville, MD", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/lenny-gordon-659221", "license_check": { "state": "MD", "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": "2026-10-21", "source_url": null }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 19, "score": 52.3, "loan_officer": { "nmls_id": 2748105, "slug": "jillian-faustino-2748105", "full_name": "Jillian Faustino", "licensed_names": [ { "name": "Jillian Faustino", "name_with_middle_initial": "Jillian M. Faustino", "first_name": "Jillian", "middle_initial": "M", "last_name": "Faustino", "states": [ "CA", "CO", "CT", "FL", "LA", "MA", "MD", "MO", "PA", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105", "json_url": "https://lendb.ai/lo/jillian-faustino-2748105.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Fort Washington", "state": "PA" }, "headshot_url": "https://www.newrez.com/media/2gxnvq1u/jillian-faustino-headshot-photo.jpg?width=460&height=614&rmode=crop&format=webp&quality=80", "licensed_states": [ "FL", "CO", "PA", "TX", "CT", "LA", "MO", "CA", "MA", "MD", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "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": "2025-10-02", "state": "IL" }, "licensed_since": { "year": 2025, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://www.newrez.com/find-loan-officer/jillian-faustino/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: October 2, 2025 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jillian-faustino-2748105", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 20, "score": 52, "loan_officer": { "nmls_id": 1736087, "slug": "patricia-miocic-1736087", "full_name": "Patricia Miocic", "canonical_url": "https://lendb.ai/lo/patricia-miocic-1736087", "json_url": "https://lendb.ai/lo/patricia-miocic-1736087.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "slug": "xpert-home-lending-2179191", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": "TN" }, "headshot_url": "https://xperthomelending.com/hubfs/Headshots/Processed/Patricia-Miocic.webp", "licensed_states": [ "FL", "CA", "GA", "MD", "NC", "TN" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "asset-based", "bank-statement", "construction", "down-payment-assistance", "dscr", "foreign-national", "heloc", "itin", "mixed-use", "recent-credit-event", "renovation", "reverse", "self-employed", "usda" ], "years_licensed": null, "earliest_license_record": { "date": "2018-06-19", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://xperthomelending.com/loan-directory/patricia-miocic", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: June 19, 2018 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/patricia-miocic-1736087", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 21, "score": 50, "loan_officer": { "nmls_id": 21524, "slug": "matthew-fenster-21524", "full_name": "Matt Fenster", "licensed_names": [ { "name": "Matthew Fenster", "name_with_middle_initial": "Matthew B. Fenster", "first_name": "Matthew", "middle_initial": "B", "last_name": "Fenster", "states": [ "CT", "FL", "MA", "MD", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524", "json_url": "https://lendb.ai/lo/matthew-fenster-21524.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Middletown", "state": "RI" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgmfe-matt-fenster.jpg", "licensed_states": [ "FL", "CT", "PA", "AL", "IN", "MA", "MD", "NC", "NH", "NJ", "RI", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-04-15", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: April 15, 2026 (Florida), per state regulator", "States 22 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 22, "score": 49.8, "loan_officer": { "nmls_id": 120117, "slug": "khashayar-saghafi-120117", "full_name": "Khash Saghafi", "licensed_names": [ { "name": "Khashayar Saghafi", "name_with_middle_initial": "Khashayar S. Saghafi", "first_name": "Khashayar", "middle_initial": "S", "last_name": "Saghafi", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "LA", "MA", "MD", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Khashayar Saghafi", "name_with_middle_initial": null, "first_name": "Khashayar", "middle_initial": null, "last_name": "Saghafi", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/khashayar-saghafi-120117", "json_url": "https://lendb.ai/lo/khashayar-saghafi-120117.json", "lender": { "nmls_id": 1114762, "name": "Liberty Home Mortgage Corporation", "slug": "liberty-home-mortgage-corporation-1114762", "canonical_url": "https://lendb.ai/lender/liberty-home-mortgage-corporation-1114762", "type": "other" }, "branch": { "city": "Independence", "state": "OH" }, "headshot_url": "https://cdn.prod.website-files.com/67354d612728f5babcbdccda/6754c23a085acd7792c26809_khash_sagafi_headshot_background.png", "licensed_states": [ "FL", "TX", "CT", "LA", "DE", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "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": "OR", "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" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-10-24", "state": "FL" }, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.libertyhomemortgage.org/lo/khash-saghafi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: October 24, 2014 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/khashayar-saghafi-120117", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 23, "score": 49.8, "loan_officer": { "nmls_id": 228658, "slug": "robert-ferger-228658", "full_name": "Robert Ferger", "licensed_names": [ { "name": "Robert Ferger", "name_with_middle_initial": "Robert J. Ferger", "first_name": "Robert", "middle_initial": "J", "last_name": "Ferger", "states": [ "CA", "CO", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/robert-ferger-228658", "json_url": "https://lendb.ai/lo/robert-ferger-228658.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/2026/06/Robert-Ferger.png", "licensed_states": [ "FL", "TX", "CO", "MO", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "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": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "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": "2017-07-10", "state": "CO" }, "licensed_since": { "year": 2017, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/rferger/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: July 10, 2017 (Colorado), per state regulator", "States 25 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/robert-ferger-228658", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 24, "score": 49.5, "loan_officer": { "nmls_id": 1861517, "slug": "basilio-reyes-1861517", "full_name": "Basilio Reyes", "canonical_url": "https://lendb.ai/lo/basilio-reyes-1861517", "json_url": "https://lendb.ai/lo/basilio-reyes-1861517.json", "lender": { "nmls_id": 177308, "name": "Meadowbrook Financial Mortgage Bankers Corp.", "slug": "meadowbrook-financial-mortgage-bankers-corp-177308", "canonical_url": "https://lendb.ai/lender/meadowbrook-financial-mortgage-bankers-corp-177308", "type": "imb" }, "branch": { "city": "Hicksville", "state": "NY" }, "headshot_url": "https://sp-ao.shortpixel.ai/client/to_webp,q_glossy,ret_img,w_543,h_493/https://mfmbankers.com/wp-content/uploads/2025/07/BasilioReyes-photo.png", "licensed_states": [ "MD" ], "licenses": [ { "state": "MD", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2023-02-02", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://mfmbankers.com/loanofficers/basilio-reyes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: February 2, 2023 (Florida), per state regulator", "States 18 years of experience (lender page, 2026-10-15)" ], "canonical_url": "https://lendb.ai/lo/basilio-reyes-1861517", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 25, "score": 49, "loan_officer": { "nmls_id": 1466855, "slug": "michael-colella-1466855", "full_name": "Michael Colella", "licensed_names": [ { "name": "Michael Colella", "name_with_middle_initial": "Michael C. Colella", "first_name": "Michael", "middle_initial": "C", "last_name": "Colella", "states": [ "FL", "MD", "NY" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "json_url": "https://lendb.ai/lo/michael-colella-1466855.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": "Marlton", "state": "NJ" }, "headshot_url": "https://www.embracehomeloans.com/media/mkldbxb5/mcolella_bio72.jpg", "licensed_states": [ "FL", "MD", "NJ", "NY", "PA", "VA", "CT", "MA", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "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", "first-time-buyer", "investor", "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": "2026-02-09", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://www.embracehomeloans.com/location/new-jersey/marlton/michael-colella", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "Earliest state license record: February 9, 2026 (Florida), per state regulator", "States 10 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "license_check": { "state": "MD", "confidence": "confirmed", "eligible": true, "label": "Licensed in MD: confirmed with the Maryland regulator, verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.labor.maryland.gov/finance/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" } ] }