{
  "canonical_url": "https://lendb.ai/s/refinance/new-mexico",
  "summary": "As of 2026-10-26, LenDb lists 56 loan officers licensed in or based in New Mexico whose lender pages show Refinance work. The top-ranked are Eric Raso (CMG Home Loans, Tempe), Kellie Buchanan (Highlands Residential Mortgage, Allen) and Lindsay Witter (American Pacific Mortgage, Roseville). Ranking is lender-neutral: specialty evidence first, then a license in NM, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "refinance",
  "state": "NM",
  "total": 56,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 51,
      "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)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 27, 2014 (Colorado), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-raso-457108",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.cmghomeloans.com/mysite/eric-raso"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 744052,
        "slug": "kellie-buchanan-744052",
        "full_name": "Kellie Buchanan",
        "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
        "json_url": "https://lendb.ai/lo/kellie-buchanan-744052.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": "Allen",
          "state": "TX"
        },
        "headshot_url": null,
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "NM",
          "OK",
          "TN"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "investor"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-01-06",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2012,
          "state": "TX"
        },
        "years_experience": 34,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 6, 2012 (Texas), per state regulator",
        "States 34 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/kellie-buchanan-744052",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.highlandsmortgage.com/agents/kellie-buchanan/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 700709,
        "slug": "lindsay-witter-700709",
        "full_name": "Lindsay Witter",
        "licensed_names": [
          {
            "name": "Lindsay Witter",
            "name_with_middle_initial": "Lindsay R. Witter",
            "first_name": "Lindsay",
            "middle_initial": "R",
            "last_name": "Witter",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "FL",
              "IA",
              "LA",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709",
        "json_url": "https://lendb.ai/lo/lindsay-witter-700709.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "headshot_url": null,
        "licensed_states": [
          "CO",
          "CT",
          "TX",
          "LA",
          "AK",
          "AL",
          "AZ",
          "CA",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "ME",
          "MI",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "UT",
          "WA",
          "WI",
          "AR",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "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": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "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": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "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": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "bank-statement",
          "construction",
          "dscr",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "reverse",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2012-01-26",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2012,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lindsay-witter",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 26, 2012 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.apmortgage.com/lindsay-witter"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 47,
      "loan_officer": {
        "nmls_id": 227744,
        "slug": "heidi-valle-227744",
        "full_name": "Heidi Valle",
        "canonical_url": "https://lendb.ai/lo/heidi-valle-227744",
        "json_url": "https://lendb.ai/lo/heidi-valle-227744.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": "Albuquerque",
          "state": "NM"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/lghv-heidi-valle.jpg",
        "licensed_states": [
          "NM"
        ],
        "licenses": [
          {
            "state": "NM",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "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/nm/albuquerque/heidi-valle-968-lghv.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Albuquerque, NM",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/heidi-valle-227744",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM 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/nm/albuquerque/heidi-valle-968-lghv.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 43.5,
      "loan_officer": {
        "nmls_id": 1025173,
        "slug": "benjamin-williams-1025173",
        "full_name": "Benjamin Williams",
        "licensed_names": [
          {
            "name": "Benjamin Williams",
            "name_with_middle_initial": "Benjamin A. Williams",
            "first_name": "Benjamin",
            "middle_initial": "A",
            "last_name": "Williams",
            "states": [
              "AR",
              "CA",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
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            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
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          {
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            "as_of": "2026-08"
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          "state": "IA"
        },
        "licensed_since": {
          "year": 2020,
          "state": "IA"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4913/joshua-shirota/",
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      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 21, 2020 (Iowa), per state regulator",
        "States 15 years of experience (lender page, 2026-10-26)"
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        "state": "NM",
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        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/scottsdale-az-4913/joshua-shirota/"
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      "match_level": "officer"
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        "licensed_names": [
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            "name_with_middle_initial": "Charles V. Dindia",
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            "states": [
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              "DE",
              "FL",
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              "LA",
              "MA",
              "MD",
              "MO",
              "NY",
              "OR",
              "PA",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
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          {
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            "first_name": "Charles",
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            "last_name": "Dindia",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/charles-dindia-43931",
        "json_url": "https://lendb.ai/lo/charles-dindia-43931.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
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        },
        "headshot_url": "https://thevault.ccm.com/m/15e01495e9e9ccf0/Website-3029_Dindia_43931.jpg",
        "licensed_states": [
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          "LA",
          "NY",
          "PA",
          "TX",
          "DE",
          "IA",
          "MO",
          "OR",
          "WI",
          "AL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "HI",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MS",
          "MT",
          "NC",
          "NH",
          "NJ",
          "NM",
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          "OH",
          "OK",
          "SC",
          "TN",
          "VA",
          "VT",
          "WA",
          "WY"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
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          {
            "state": "DE",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
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          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
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          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
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          {
            "state": "VT",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "confirmed"
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          {
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        "federal_registration_likely": false,
        "languages": [],
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            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
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        "earliest_license_record": {
          "date": "2010-07-31",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2010,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2004/charles-dindia/",
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-22)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 31, 2010 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-dindia-43931",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/cleveland-oh-2004/charles-dindia/"
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      "match_status": "exact",
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        "refinance"
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      "rank": 19,
      "score": 23.1,
      "loan_officer": {
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              "IA",
              "LA",
              "MA",
              "TX"
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        ],
        "canonical_url": "https://lendb.ai/lo/jeremy-tailford-1034995",
        "json_url": "https://lendb.ai/lo/jeremy-tailford-1034995.json",
        "lender": {
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          "type": "imb"
        },
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        "headshot_url": "https://thevault.ccm.com/asset/58abecde-39b7-441b-abff-8521f8df30eb/Website/2131_Tailford_1034995.jpg",
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          "KS",
          "KY",
          "MA",
          "MI",
          "NC",
          "NM",
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          "OK",
          "SC",
          "TN",
          "VA"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IN",
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          {
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          {
            "state": "MI",
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          {
            "state": "OK",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
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      ],
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      "score": 22.6,
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              "PA",
              "TX"
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        "canonical_url": "https://lendb.ai/lo/mark-villano-1306487",
        "json_url": "https://lendb.ai/lo/mark-villano-1306487.json",
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          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
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        },
        "branch": {
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            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MO",
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NM",
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          {
            "state": "OK",
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          {
            "state": "OR",
            "confidence": "confirmed"
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          {
            "state": "PA",
            "confidence": "confirmed"
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          {
            "state": "SC",
            "confidence": "lender_reported"
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          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        "specialties": [
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          },
          {
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          "physician",
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          "state": "CA"
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        "years_experience": 12,
        "lender_profile_url": "https://crosscountrymortgage.com/lakewood-wa-5536/mark-villano/",
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        "json_url": "https://lendb.ai/lo/shelby-wardlaw-1458807.json",
        "lender": {
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          "state": "CO"
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        "headshot_url": "https://thevault.ccm.com/m/8a84df9c8df0f3e8/Website-5120_Wardlaw_1458807.jpg",
        "licensed_states": [
          "CO",
          "ME",
          "NM",
          "WY"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "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",
          "va"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
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            "as_of": "2026-08"
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          "date": "2019-02-08",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2019,
          "state": "CO"
        },
        "years_experience": 11,
        "lender_profile_url": "https://crosscountrymortgage.com/loveland-co-5120/shelby-wardlaw/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-22)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 8, 2019 (Colorado), per state regulator",
        "States 11 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/shelby-wardlaw-1458807",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/loveland-co-5120/shelby-wardlaw/"
      },
      "match_status": "exact",
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      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 22,
      "score": 22.1,
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        "nmls_id": 207630,
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        "licensed_names": [
          {
            "name": "Derrick Polder",
            "name_with_middle_initial": "Derrick F. Polder",
            "first_name": "Derrick",
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            "states": [
              "AR",
              "CA",
              "CO",
              "DE",
              "FL",
              "IA",
              "LA",
              "MO",
              "PA"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/derrick-polder-207630",
        "json_url": "https://lendb.ai/lo/derrick-polder-207630.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "AZ"
        },
        "headshot_url": "https://thevault.ccm.com/asset/6f991a78-396c-418d-b303-a81a0daf2808/Website/4626_Polder_207630.jpg",
        "licensed_states": [
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          "LA",
          "PA",
          "AR",
          "DE",
          "IA",
          "MO",
          "WI",
          "AL",
          "AZ",
          "CA",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "ME",
          "MI",
          "MN",
          "NC",
          "ND",
          "NM",
          "OH",
          "SD",
          "TN",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "confirmed"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "DE",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "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": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "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": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "heloc",
          "investor",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
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            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2015-11-02",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2015,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tucson-az-4626/derrick-polder/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-22)",
        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 2, 2015 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/derrick-polder-207630",
      "license_check": {
        "state": "NM",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/tucson-az-4626/derrick-polder/"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
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      "rank": 23,
      "score": 22.1,
      "loan_officer": {
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        "slug": "timothy-potempa-454708",
        "full_name": "Tim Potempa",
        "licensed_names": [
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            "name": "Timothy Potempa",
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            "first_name": "Timothy",
            "middle_initial": "P",
            "last_name": "Potempa",
            "states": [
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              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "LA",
              "MA",
              "MD",
              "MO",
              "OR",
              "PA",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Timothy Potempa",
            "name_with_middle_initial": null,
            "first_name": "Timothy",
            "middle_initial": null,
            "last_name": "Potempa",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/timothy-potempa-454708",
        "json_url": "https://lendb.ai/lo/timothy-potempa-454708.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "AZ"
        },
        "headshot_url": "https://thevault.ccm.com/asset/069ba63c-c5ca-4e74-b276-8a47f17d8dac/Website/4415_Potempa_454708.jpg",
        "licensed_states": [
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          "CT",
          "LA",
          "PA",
          "TX",
          "AR",
          "CA",
          "IA",
          "MO",
          "OR",
          "WI",
          "DE",
          "AK",
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          "AZ",
          "DC",
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          "ID",
          "IL",
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          "KS",
          "KY",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
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          "NM",
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          "OH",
          "OK",
          "RI",
          "SC",
          "SD",
          "TN",
          "VA",
          "VT",
          "WA",
          "WY"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "confirmed"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "CT",
            "confidence": "confirmed"
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          {
            "state": "DC",
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          {
            "state": "DE",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "confirmed"
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          {
            "state": "MA",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
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          {
            "state": "MS",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "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"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
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          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
          "usda",
          "va"
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            "source": "HUD",
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        "years_licensed": null,
        "earliest_license_record": {
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          "state": "CA"
        },
        "licensed_since": {
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          "state": "CA"
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/phoenix-az-4415/timothy-potempa/",
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      },
      "reasons": [
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        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 9, 2015 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/timothy-potempa-454708",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/phoenix-az-4415/timothy-potempa/"
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      "match_status": "exact",
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      ],
      "unconfirmed_specialties": [],
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    {
      "rank": 24,
      "score": 22,
      "loan_officer": {
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        "slug": "kelly-hintz-450644",
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            "states": [
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              "CO",
              "FL",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
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          }
        ],
        "canonical_url": "https://lendb.ai/lo/kelly-hintz-450644",
        "json_url": "https://lendb.ai/lo/kelly-hintz-450644.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "AZ"
        },
        "headshot_url": "https://thevault.ccm.com/asset/28849623-2ebf-44a2-8b59-a351a43b1c10/Website/4627_Hintz_450644.jpg",
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          "WI",
          "AK",
          "AZ",
          "CA",
          "HI",
          "ID",
          "MT",
          "NM",
          "NV",
          "OK",
          "WA"
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        "licenses": [
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            "state": "AK",
            "confidence": "lender_reported"
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          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "HI",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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          {
            "state": "WI",
            "confidence": "confirmed"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
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          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        ],
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          "condo-non-warrantable",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
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          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "rural",
          "self-employed",
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          "va"
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          "state": "OR"
        },
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          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-5227/kelly-hintz/",
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      },
      "reasons": [
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        "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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      ],
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        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/scottsdale-az-5227/kelly-hintz/"
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      "score": 22,
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            "states": [
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              "FL",
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              "LA",
              "MD",
              "MO",
              "OR",
              "PA",
              "TX",
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            ],
            "source": "state_regulator",
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        ],
        "canonical_url": "https://lendb.ai/lo/andre-yarina-1408534",
        "json_url": "https://lendb.ai/lo/andre-yarina-1408534.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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        "headshot_url": "https://thevault.ccm.com/asset/d95d488f-1a8e-48ae-a13e-983c8f859e30/Website/2036_Yarina_1408534.jpg",
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          "LA",
          "TX",
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        ],
        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "CO",
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "confirmed"
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          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KY",
            "confidence": "lender_reported"
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          {
            "state": "LA",
            "confidence": "confirmed"
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          {
            "state": "MD",
            "confidence": "confirmed"
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          {
            "state": "ME",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "ND",
            "confidence": "lender_reported"
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          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
          },
          {
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            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
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          {
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        ],
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        "languages": [],
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        ],
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          "self-employed",
          "usda",
          "va"
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          "state": "OR"
        },
        "licensed_since": {
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          "state": "OR"
        },
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        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/andre-yarina/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
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        "Earliest state license record: March 10, 2016 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/andre-yarina-1408534",
      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-26",
        "source_url": "https://crosscountrymortgage.com/cleveland-oh-2036/andre-yarina/"
      },
      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": [],
      "match_level": "officer"
    }
  ]
}