{ "canonical_url": "https://lendb.ai/s/refinance/ohio", "summary": "As of 2026-10-26, LenDb lists 220 loan officers licensed in or based in Ohio whose lender pages show Refinance work. The top-ranked are Bill White (CrossCountry Mortgage, Cincinnati), DJ Joyce (CrossCountry Mortgage, Cleveland) and Devin Harris (Lower, Columbus). Ranking is lender-neutral: specialty evidence first, then a license in OH, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "OH", "total": 220, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 61.5, "loan_officer": { "nmls_id": 2268018, "slug": "william-white-2268018", "full_name": "Bill White", "licensed_names": [ { "name": "William White", "name_with_middle_initial": "William G. White", "first_name": "William", "middle_initial": "G", "last_name": "White", "states": [ "FL", "NY", "TX" ], "source": "state_regulator", "as_of": "2026-10-13" }, { "name": "William White", "name_with_middle_initial": null, "first_name": "William", "middle_initial": null, "last_name": "White", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/william-white-2268018", "json_url": "https://lendb.ai/lo/william-white-2268018.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": "Cincinnati", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/asset/72bea30b-7266-419d-aa15-a1865388b78a/Website/2118_White_2268018.jpg", "licensed_states": [ "FL", "TX", "WI", "AL", "GA", "IL", "IN", "KY", "MI", "NC", "OH", "OK", "PA", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-12-13", "state": "IL" }, "licensed_since": { "year": 2021, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/william-white/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Cincinnati, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 13, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/william-white-2268018", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/cincinnati-oh-2118/william-white/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 60.5, "loan_officer": { "nmls_id": 2540027, "slug": "dj-joyce-2540027", "full_name": "DJ Joyce", "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027", "json_url": "https://lendb.ai/lo/dj-joyce-2540027.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", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/asset/d674e21d-6de3-4207-8c40-2309a617a37f/Website/2131_Joyce_2540027.jpg", "licensed_states": [ "CA", "OR", "AL", "AZ", "CO", "IN", "KY", "ME", "NH", "OH", "OK", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-12-21", "state": "OR" }, "licensed_since": { "year": 2023, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/darryn-joyce/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Cleveland, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 21, 2023 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/dj-joyce-2540027", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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-2131/darryn-joyce/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 58.5, "loan_officer": { "nmls_id": 2848186, "slug": "devin-harris-2848186", "full_name": "Devin Harris", "licensed_names": [ { "name": "Devin Harris", "name_with_middle_initial": "Devin S. Harris", "first_name": "Devin", "middle_initial": "S", "last_name": "Harris", "states": [ "CA" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/devin-harris-2848186", "json_url": "https://lendb.ai/lo/devin-harris-2848186.json", "lender": { "nmls_id": 1124061, "name": "Lower", "slug": "lower-1124061", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Columbus", "state": "OH" }, "headshot_url": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-devin-harris.jpg?quality=80&format=webp&width=800&height=800&name=lo-devin-harris.jpg", "licensed_states": [ "CA", "GA", "MI", "NC", "OH", "PA", "WA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-08-05", "state": "CA" }, "licensed_since": { "year": 2026, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.lower.com/loan-officers/ohio/columbus/devin-harris", "disciplinary_check": "not_checked" }, "reasons": [ "Focus: Refinance (from their bio on their lender page, verified 2026-10-21)", "Office in Columbus, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 5, 2026 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/devin-harris-2848186", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/ohio/columbus/devin-harris" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 55.5, "loan_officer": { "nmls_id": 1937816, "slug": "adam-penney-1937816", "full_name": "Adam Penney", "canonical_url": "https://lendb.ai/lo/adam-penney-1937816", "json_url": "https://lendb.ai/lo/adam-penney-1937816.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": "Niles", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/m/a0a348bb0855a20c/Website-2121_Penney_1937816.jpg", "licensed_states": [ "FL", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "heloc", "investor", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-04-16", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/niles-oh-2121/adam-penney/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "Office in Niles, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 16, 2025 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/adam-penney-1937816", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/niles-oh-2121/adam-penney/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 55, "loan_officer": { "nmls_id": 934863, "slug": "jason-inglish-934863", "full_name": "Jason Inglish", "licensed_names": [ { "name": "Jason Inglish", "name_with_middle_initial": "Jason M. Inglish", "first_name": "Jason", "middle_initial": "M", "last_name": "Inglish", "states": [ "FL", "MD", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "json_url": "https://lendb.ai/lo/jason-inglish-934863.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "slug": "alcova-mortgage-40508", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Cumberland", "state": "MD" }, "headshot_url": "https://alcova.com/wp-content/uploads/2024/08/jason-inglish.png", "licensed_states": [ "FL", "PA", "MD", "OH", "SC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "dscr", "heloc", "jumbo", "reverse", "self-employed" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-07-26", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://alcova.com/loan-officer/jinglish/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 26, 2022 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://alcova.com/loan-officer/jinglish/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 54.3, "loan_officer": { "nmls_id": 3364, "slug": "jeremy-wetzel-3364", "full_name": "Jeremy Wetzel", "licensed_names": [ { "name": "Jeremy Wetzel", "name_with_middle_initial": "Jeremy M. Wetzel", "first_name": "Jeremy", "middle_initial": "M", "last_name": "Wetzel", "states": [ "CA", "FL" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.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": "Louisville", "state": "KY" }, "headshot_url": "https://thevault.ccm.com/m/43e5be55a784fe47/Website-2905_Wetzel_3364.jpg", "licensed_states": [ "FL", "CA", "GA", "ID", "IL", "IN", "KY", "OH", "TN", "VA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-11-03", "state": "IL" }, "licensed_since": { "year": 2010, "state": "IL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 3, 2010 (Illinois), per state regulator", "States 23 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 54.3, "loan_officer": { "nmls_id": 513963, "slug": "ryan-bush-513963", "full_name": "Ryan Bush", "canonical_url": "https://lendb.ai/lo/ryan-bush-513963", "json_url": "https://lendb.ai/lo/ryan-bush-513963.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "slug": "union-home-mortgage-2229", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Dublin", "state": "OH" }, "headshot_url": "https://www.uhm.com/media/1531/ryanbush_headshot.jpg", "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "heloc", "self-employed" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 13, "lender_profile_url": "https://www.uhm.com/loan-officers/rbush/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Dublin, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 13 years of experience (lender page, 2026-10-14)" ], "canonical_url": "https://lendb.ai/lo/ryan-bush-513963", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-14", "source_url": "https://www.uhm.com/loan-officers/rbush/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 52.6, "loan_officer": { "nmls_id": 32101, "slug": "jay-slone-32101", "full_name": "Jay Slone", "canonical_url": "https://lendb.ai/lo/jay-slone-32101", "json_url": "https://lendb.ai/lo/jay-slone-32101.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": "Lorain", "state": "OH" }, "headshot_url": "https://thevault.ccm.com/asset/43e9f2dd-313e-4df8-8546-82caa315a2ad/Website/4795_Slone_32101.jpg", "licensed_states": [ "OH" ], "licenses": [ { "state": "OH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/lorain-oh-4795/jason-slone/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Lorain, OH", "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 23 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/jay-slone-32101", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH 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/lorain-oh-4795/jason-slone/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 9, "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)", "OH listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Earliest state license record: July 10, 2014 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "license_check": { "state": "OH", "confidence": "lender_reported", "eligible": true, "label": "OH listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://www.barrettfinancial.com/colson" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 11, "score": 47.5, "loan_officer": { "nmls_id": 1491996, "slug": "wendy-beveridge-1491996", "full_name": "Wendy Beveridge", "canonical_url": "https://lendb.ai/lo/wendy-beveridge-1491996", "json_url": "https://lendb.ai/lo/wendy-beveridge-1491996.json", "lender": { "nmls_id": 483350, "name": "The Vinton County National Bank", "slug": "the-vinton-county-national-bank-483350", "canonical_url": "https://lendb.ai/lender/the-vinton-county-national-bank-483350", "type": "bank" }, "branch": { "city": "Canal Winchester", "state": "OH" }, "headshot_url": null, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.vcnbfamily.bank/Personal/Mortgage-Loans/Mortgage-Lenders/Wendy-Beveridge", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Canal Winchester, OH", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/wendy-beveridge-1491996", "license_check": { "state": "OH", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 12, "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. 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