{ "canonical_url": "https://lendb.ai/s/refinance/missouri", "summary": "As of 2026-10-26, LenDb lists 29 loan officers licensed in or based in Missouri whose lender pages show Refinance work. The top-ranked are Kim Shuey (Mutual of Omaha Mortgage, Overland Park), Dayna Mabie (CrossCountry Mortgage, Dardenne Prairie) and Stephanie O'Farrell (Mutual of Omaha Mortgage, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in MO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "MO", "total": 29, "last_verified": "2026-10-26", "results": [ { "rank": 1, "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 MO: confirmed with the Missouri regulator, verified 2026-10-19", "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": "MO", "confidence": "confirmed", "eligible": true, "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "verified_at": "2026-10-19", "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 62, "loan_officer": { "nmls_id": 2849798, "slug": "dayna-mabie-2849798", "full_name": "Dayna Mabie", "canonical_url": "https://lendb.ai/lo/dayna-mabie-2849798", "json_url": "https://lendb.ai/lo/dayna-mabie-2849798.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": "Dardenne Prairie", "state": "MO" }, "headshot_url": "https://thevault.ccm.com/asset/e491bc7f-ad52-430e-b687-eb812ca51613/Website/3107_Mabie_2849798.jpg", "licensed_states": [ "MO" ], "licenses": [ { "state": "MO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/dardenne-prairie-mo-3107/dayna-mabie/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Dardenne Prairie, MO", "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19" ], "canonical_url": "https://lendb.ai/lo/dayna-mabie-2849798", "license_check": { "state": "MO", "confidence": "confirmed", "eligible": true, "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "verified_at": "2026-10-19", "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "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 MO: confirmed with the Missouri regulator, verified 2026-10-19", "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": "MO", "confidence": "confirmed", "eligible": true, "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "verified_at": "2026-10-19", "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "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. 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)", "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "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": "MO", "confidence": "confirmed", "eligible": true, "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "verified_at": "2026-10-19", "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 58.3, "loan_officer": { "nmls_id": 1283419, "slug": "alexander-carriker-1283419", "full_name": "Alex Carriker", "licensed_names": [ { "name": "Alexander Carriker", "name_with_middle_initial": "Alexander T. Carriker", "first_name": "Alexander", "middle_initial": "T", "last_name": "Carriker", "states": [ "FL", "MO" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419", "json_url": "https://lendb.ai/lo/alexander-carriker-1283419.json", "lender": { "nmls_id": 134871, "name": "Highlands Residential Mortgage", "slug": "highlands-residential-mortgage-134871", "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871", "type": "imb" }, "branch": { "city": "Springfield", "state": "MO" }, "headshot_url": "https://img.fairway.com/images/head_shot/alex-carriker-1283419.jpg?fwy_Id=2906da59-2710-4496-80a4-0234bb710048", "licensed_states": [ "MO", "KS" ], "licenses": [ { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2024-05-09", "state": "FL" }, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.highlandsmortgage.com/agents/alex-carriker/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Springfield, MO", "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "Earliest state license record: May 9, 2024 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419", "license_check": { "state": "MO", "confidence": "confirmed", "eligible": true, "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "verified_at": "2026-10-19", "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 58, "loan_officer": { "nmls_id": 2158291, "slug": "douglas-peters-2158291", "full_name": "Douglas Peters", "licensed_names": [ { "name": "Douglas Peters", "name_with_middle_initial": "Douglas M. Peters", "first_name": "Douglas", "middle_initial": "M", "last_name": "Peters", "states": [ "MO" ], "source": "state_regulator", "as_of": "2026-10-19" } ], "canonical_url": "https://lendb.ai/lo/douglas-peters-2158291", "json_url": "https://lendb.ai/lo/douglas-peters-2158291.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": "Chesterfield", "state": "MO" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cndp-douglas-peters.jpg", "licensed_states": [ "MO" ], "licenses": [ { "state": "MO", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/douglas-peters-714-cndp.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Chesterfield, MO", "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19" ], "canonical_url": "https://lendb.ai/lo/douglas-peters-2158291", "license_check": { "state": "MO", "confidence": "confirmed", "eligible": true, "label": "Licensed in MO: confirmed with the Missouri regulator, verified 2026-10-19", "verified_at": "2026-10-19", "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 57.8, "loan_officer": { "nmls_id": 243704, "slug": "scott-shafman-243704", "full_name": "Scott Shafman", "licensed_names": [ { "name": "Scott Shafman", "name_with_middle_initial": "Scott I. Shafman", "first_name": "Scott", "middle_initial": "I", "last_name": "Shafman", "states": [ "CO", "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/scott-shafman-243704", "json_url": "https://lendb.ai/lo/scott-shafman-243704.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": "Chesterfield", "state": "MO" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/cnss-scott-shafman.jpg", "licensed_states": [ "FL", "CO", "TX", "IL", "MO" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "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": "2016-03-25", "state": "IL" }, "licensed_since": { "year": 2016, "state": "IL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/scott-shafman-122-cnss.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Chesterfield, MO", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 25, 2016 (Illinois), per state regulator", "States 20 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/scott-shafman-243704", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/mo/chesterfield/scott-shafman-122-cnss.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 57, "loan_officer": { "nmls_id": 279880, "slug": "kelly-o-connell-279880", "full_name": "Kelly O'Connell", "canonical_url": "https://lendb.ai/lo/kelly-o-connell-279880", "json_url": "https://lendb.ai/lo/kelly-o-connell-279880.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": "Washington", "state": "MO" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/kelly-o-connell.jpg", "licensed_states": [ "IL", "MO" ], "licenses": [ { "state": "IL", "confidence": "confirmed" }, { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "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": "2011-03-04", "state": "IL" }, "licensed_since": { "year": 2011, "state": "IL" }, "years_experience": 22, "lender_profile_url": "https://branches.guildmortgage.com/mo/washington/kelly-oconnell-604-cnko.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Washington, MO", "MO listed on their lender page (not yet checked with the state regulator; 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"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": { 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