{ "canonical_url": "https://lendb.ai/s/refinance/massachusetts", "summary": "As of 2026-10-26, LenDb lists 32 loan officers licensed in or based in Massachusetts whose lender pages show Refinance work. The top-ranked are Lindsay Moran (Guaranteed Rate Affinity, LLC, Boston), Mark Jurilla (Guaranteed Rate Affinity, LLC, Boston) and Kim Shuey (Mutual of Omaha Mortgage, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "MA", "total": 32, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 63.8, "loan_officer": { "nmls_id": 40411, "slug": "lindsay-moran-40411", "full_name": "Lindsay Moran", "licensed_names": [ { "name": "Lindsay Moran", "name_with_middle_initial": "Lindsay S. Moran", "first_name": "Lindsay", "middle_initial": "S", "last_name": "Moran", "states": [ "MA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/lindsay-moran-40411", "json_url": "https://lendb.ai/lo/lindsay-moran-40411.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": "Boston", "state": "MA" }, "headshot_url": "https://a.mktgcdn.com/p/uAnFwznDQY1Zh8eIopJzh4WK4w9xMb1rZWbYOFR7yCE/191x275.png", "licensed_states": [ "MA" ], "licenses": [ { "state": "MA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "investor", "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": 22, "lender_profile_url": "https://www.grarate.com/loan-officers/lindsay-santini-40411", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Boston, MA", "Licensed in MA: confirmed with the Massachusetts regulator (license MLO40411), verified 2026-10-26", "States 22 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/lindsay-moran-40411", "license_check": { "state": "MA", "confidence": "confirmed", "eligible": true, "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO40411), verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 63, "loan_officer": { "nmls_id": 441305, "slug": "mark-jurilla-441305", "full_name": "Mark Jurilla", "licensed_names": [ { "name": "Mark Jurilla", "name_with_middle_initial": "Mark G. Jurilla", "first_name": "Mark", "middle_initial": "G", "last_name": "Jurilla", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/mark-jurilla-441305", "json_url": "https://lendb.ai/lo/mark-jurilla-441305.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": "Boston", "state": "MA" }, "headshot_url": "https://a.mktgcdn.com/p/kexgmgJIRe_PlQ8PP9AX-8bG7LlyReVSPRaBrkEhZ2k/191x275.jpg", "licensed_states": [ "FL", "MA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "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": "2026-06-22", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.grarate.com/loan-officers/mark-jurilla-441305", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Boston, MA", "Licensed in MA: confirmed with the Massachusetts regulator (license MLO441305), verified 2026-10-26", "Earliest state license record: June 22, 2026 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/mark-jurilla-441305", "license_check": { "state": "MA", "confidence": "confirmed", "eligible": true, "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO441305), verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "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 MA: confirmed with the Massachusetts regulator (license MLO410338), 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": "MA", "confidence": "confirmed", "eligible": true, "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO410338), verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "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 MA: confirmed with the Massachusetts regulator (license MLO95809), 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": "MA", "confidence": "confirmed", "eligible": true, "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO95809), verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 60, "loan_officer": { "nmls_id": 67031, "slug": "michael-bush-67031", "full_name": "Michael Bush", "licensed_names": [ { "name": "Michael Bush", "name_with_middle_initial": "Michael T. Bush", "first_name": "Michael", "middle_initial": "T", "last_name": "Bush", "states": [ "CT", "FL", "MA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/michael-bush-67031", "json_url": "https://lendb.ai/lo/michael-bush-67031.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": "North Attleboro", "state": "MA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgmbu-michael-bush.jpg", "licensed_states": [ "FL", "CT", "MA", "ME", "NH", "NJ", "RI", "VA" ], "licenses": [ { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "investor", "itin", "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": "2023-12-15", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/michael-bush-651-rgmbu.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in North Attleboro, MA", "Licensed in MA: confirmed with the Massachusetts regulator (license MLO67031), verified 2026-10-26", "Earliest state license record: December 15, 2023 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/michael-bush-67031", "license_check": { "state": "MA", "confidence": "confirmed", "eligible": true, "label": "Licensed in MA: confirmed with the Massachusetts regulator (license MLO67031), verified 2026-10-26", "verified_at": "2026-10-26", "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 59.5, "loan_officer": { "nmls_id": 133559, "slug": "steven-hochrein-133559", "full_name": "Steve Hochrein", "licensed_names": [ { "name": "Steven Hochrein", "name_with_middle_initial": "Steven F. 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