{ "canonical_url": "https://lendb.ai/s/refinance/virginia", "summary": "As of 2026-10-26, LenDb lists 259 loan officers licensed in or based in Virginia whose lender pages show Refinance work. The top-ranked are Rob Clark (Guaranteed Rate Affinity, LLC, Alexandria), Jason Inglish (ALCOVA Mortgage, Cumberland) and Jeremy Wetzel (CrossCountry Mortgage, Louisville). Ranking is lender-neutral: specialty evidence first, then a license in VA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "VA", "total": 259, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 55, "loan_officer": { "nmls_id": 182527, "slug": "rob-clark-182527", "full_name": "Rob Clark", "licensed_names": [ { "name": "Robert Clark", "name_with_middle_initial": "Robert S. Clark", "first_name": "Robert", "middle_initial": "S", "last_name": "Clark", "states": [ "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/rob-clark-182527", "json_url": "https://lendb.ai/lo/rob-clark-182527.json", "lender": { "nmls_id": 1598647, "name": "Guaranteed Rate Affinity, LLC", "slug": "guaranteed-rate-affinity-llc-1598647", "canonical_url": "https://lendb.ai/lender/guaranteed-rate-affinity-llc-1598647", "type": "imb" }, "branch": { "city": "Alexandria", "state": "VA" }, "headshot_url": "https://a.mktgcdn.com/p/WwlWc6Z5qQYxeCORdbkYIwa2jfOd4aIcqvEmUtNss1w/625x833.jpg", "licensed_states": [ "DC", "MD", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 35, "lender_profile_url": "https://www.grarate.com/loan-officers/rob-clark-182527", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "Office in Alexandria, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 35 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/rob-clark-182527", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.grarate.com/loan-officers/rob-clark-182527" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "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)", "VA 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": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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": 3, "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)", "VA 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": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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": 4, "score": 53.5, "loan_officer": { "nmls_id": 2049966, "slug": "george-tabora-2049966", "full_name": "George Tabora", "licensed_names": [ { "name": "George Tabora", "name_with_middle_initial": "George A. Tabora", "first_name": "George", "middle_initial": "A", "last_name": "Tabora", "states": [ "FL", "MD" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/george-tabora-2049966", "json_url": "https://lendb.ai/lo/george-tabora-2049966.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": "Reston", "state": "VA" }, "headshot_url": null, "licensed_states": [ "MD", "VA" ], "licenses": [ { "state": "MD", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "foreign-national", "itin", "low-credit", "manufactured", "new-construction", "physician", "renovation", "reverse", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-10-14", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/george-tabora", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Reston, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 14, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/george-tabora-2049966", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/george-tabora" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 52, "loan_officer": { "nmls_id": 2026522, "slug": "james-conley-2026522", "full_name": "James Conley", "licensed_names": [ { "name": "James Conley", "name_with_middle_initial": "James F. Conley", "first_name": "James", "middle_initial": "F", "last_name": "Conley", "states": [ "CA", "DE", "FL", "MD", "OR" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "json_url": "https://lendb.ai/lo/james-conley-2026522.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": "https://thevault.ccm.com/asset/e68c2163-72ff-4cf2-be0b-6257dac819af/Website/4469_Conley_2026522.jpg", "licensed_states": [ "FL", "DE", "OR", "CA", "AZ", "DC", "GA", "MD", "MI", "PA", "TN", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-08-03", "state": "WI" }, "licensed_since": { "year": 2022, "state": "WI" }, "years_experience": 6, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 3, 2022 (Wisconsin), per state regulator", "States 6 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/columbia-md-4469/james-conley/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 51.8, "loan_officer": { "nmls_id": 1257647, "slug": "reece-williams-1257647", "full_name": "Reece Williams", "canonical_url": "https://lendb.ai/lo/reece-williams-1257647", "json_url": "https://lendb.ai/lo/reece-williams-1257647.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": "Richmond", "state": "VA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/chrew-reece-williams.jpg", "licensed_states": [ "NC", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "heloc", "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/va/richmond/reece-williams-664-chrew.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Richmond, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/reece-williams-1257647", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/va/richmond/reece-williams-664-chrew.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 51.5, "loan_officer": { "nmls_id": 7577, "slug": "jason-stallworth-7577", "full_name": "Jason Stallworth", "licensed_names": [ { "name": "Jason Stallworth", "name_with_middle_initial": "Jason C. Stallworth", "first_name": "Jason", "middle_initial": "C", "last_name": "Stallworth", "states": [ "DE", "FL", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "json_url": "https://lendb.ai/lo/jason-stallworth-7577.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "slug": "embrace-home-loans-2184", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Amityville", "state": "NY" }, "headshot_url": "https://www.embracehomeloans.com/media/54rhdaki/jstallworth_bio72.jpg", "licensed_states": [ "FL", "PA", "NY", "DE", "AL", "DC", "GA", "NJ", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "investor", "jumbo", "low-credit", "multi-family-2-4", "new-construction", "recent-credit-event", "renovation", "rural", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-11-24", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 24, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 51.5, "loan_officer": { "nmls_id": 1980879, "slug": "michael-schuster-1980879", "full_name": "Mike Schuster", "licensed_names": [ { "name": "Michael Schuster", "name_with_middle_initial": "Michael H. Schuster", "first_name": "Michael", "middle_initial": "H", "last_name": "Schuster", "states": [ "CA", "CO", "CT", "DE", "FL", "MD", "NY", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Michael Schuster", "name_with_middle_initial": null, "first_name": "Michael", "middle_initial": null, "last_name": "Schuster", "states": [ "IL" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "json_url": "https://lendb.ai/lo/michael-schuster-1980879.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": null, "licensed_states": [ "FL", "CO", "PA", "TX", "CA", "DE", "AZ", "GA", "IL", "IN", "MD", "ME", "MI", "MT", "NC", "SC", "SD", "TN", "VA", "WA", "WV", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-04-26", "state": "IL" }, "licensed_since": { "year": 2021, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 26, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/columbia-md-4469/michael-schuster/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 9, "score": 51.5, "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)", "VA 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": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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": 10, "score": 51, "loan_officer": { "nmls_id": 21108, "slug": "michael-eastman-21108", "full_name": "Mike Eastman", "licensed_names": [ { "name": "Michael Eastman", "name_with_middle_initial": "Michael J. Eastman", "first_name": "Michael", "middle_initial": "J", "last_name": "Eastman", "states": [ "DE", "FL", "MD", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/michael-eastman-21108", "json_url": "https://lendb.ai/lo/michael-eastman-21108.json", "lender": { "nmls_id": 86548, "name": "First Heritage Mortgage", "slug": "first-heritage-mortgage-86548", "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "headshot_url": "https://fhmtg.com/wp-content/uploads/2025/11/Mike_Eastman_500.png", "licensed_states": [ "FL", "DE", "PA", "AL", "DC", "GA", "MD", "NC", "SC", "TN", "VA", "WV" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "jumbo", "non-qm", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-06-26", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://fhmtg.com/officers/mike-eastman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Fairfax, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 26, 2025 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-eastman-21108", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://fhmtg.com/officers/mike-eastman/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 11, "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)", "VA 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": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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": 12, "score": 51, "loan_officer": { "nmls_id": 2399625, "slug": "john-hand-2399625", "full_name": "Tim Hand", "canonical_url": "https://lendb.ai/lo/john-hand-2399625", "json_url": "https://lendb.ai/lo/john-hand-2399625.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "slug": "first-home-mortgage-71603", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Dunkirk", "state": "MD" }, "headshot_url": "https://firsthome.com/wp-content/uploads/2024/04/Hand-Tim.jpg", "licensed_states": [ "FL", "DC", "MD", "NC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "fha", "jumbo", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-12-27", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/tim-hand/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 27, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/john-hand-2399625", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://firsthome.com/loan-officers/tim-hand/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 13, "score": 47.3, "loan_officer": { "nmls_id": 357207, "slug": "troy-weatherly-357207", "full_name": "Troy Weatherly", "canonical_url": "https://lendb.ai/lo/troy-weatherly-357207", "json_url": "https://lendb.ai/lo/troy-weatherly-357207.json", "lender": { "nmls_id": 715386, "name": "Belem Servicing LLC", "slug": "belem-servicing-llc-715386", "canonical_url": "https://lendb.ai/lender/belem-servicing-llc-715386", "type": "imb" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://patriothomemortgage.com/wp-content/uploads/2026/09/patriothomemortgage.com-troy-weatherly-nmls-357207.png", "licensed_states": [ "NV", "PA", "VA" ], "licenses": [ { "state": "NV", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en" ], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://patriothomemortgage.com/mortgage-officer/troy-weatherly/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/troy-weatherly-357207", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://patriothomemortgage.com/mortgage-officer/troy-weatherly/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 14, "score": 47, "loan_officer": { "nmls_id": 21524, "slug": "matthew-fenster-21524", "full_name": "Matt Fenster", "licensed_names": [ { "name": "Matthew Fenster", "name_with_middle_initial": "Matthew B. Fenster", "first_name": "Matthew", "middle_initial": "B", "last_name": "Fenster", "states": [ "CT", "FL", "MA", "MD", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524", "json_url": "https://lendb.ai/lo/matthew-fenster-21524.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Middletown", "state": "RI" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgmfe-matt-fenster.jpg", "licensed_states": [ "FL", "CT", "PA", "AL", "IN", "MA", "MD", "NC", "NH", "NJ", "RI", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-04-15", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 15, 2026 (Florida), per state regulator", "States 22 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/matthew-fenster-21524", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/ri/middletown/matt-fenster-227-rgmfe.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 15, "score": 47, "loan_officer": { "nmls_id": 67031, "slug": "michael-bush-67031", "full_name": "Michael Bush", "licensed_names": [ { "name": "Michael Bush", "name_with_middle_initial": "Michael T. Bush", "first_name": "Michael", "middle_initial": "T", "last_name": "Bush", "states": [ "CT", "FL", "MA" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/michael-bush-67031", "json_url": "https://lendb.ai/lo/michael-bush-67031.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "North Attleboro", "state": "MA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/rgmbu-michael-bush.jpg", "licensed_states": [ "FL", "CT", "MA", "ME", "NH", "NJ", "RI", "VA" ], "licenses": [ { "state": "CT", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "investor", "itin", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-12-15", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/michael-bush-651-rgmbu.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 15, 2023 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/michael-bush-67031", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/ma/northattleboro/michael-bush-651-rgmbu.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 16, "score": 47, "loan_officer": { "nmls_id": 204443, "slug": "ronald-haddad-204443", "full_name": "Ron Haddad", "licensed_names": [ { "name": "Ronald Haddad", "name_with_middle_initial": "Ronald G. Haddad", "first_name": "Ronald", "middle_initial": "G", "last_name": "Haddad", "states": [ "FL" ], "source": "state_regulator", "as_of": "2026-10-09" }, { "name": "Ronald Haddad", "name_with_middle_initial": null, "first_name": "Ronald", "middle_initial": null, "last_name": "Haddad", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "json_url": "https://lendb.ai/lo/ronald-haddad-204443.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": "Arlington Heights", "state": "IL" }, "headshot_url": "https://www.uhm.com/media/5201/ron-haddad-headshot.jpg", "licensed_states": [ "FL", "AZ", "IL", "IN", "MI", "NC", "VA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "fha", "heloc", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2005-06-23", "state": "IL" }, "licensed_since": { "year": 2005, "state": "IL" }, "years_experience": 20, "lender_profile_url": "https://www.uhm.com/loan-officers/ron-haddad/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 23, 2005 (Illinois), per state regulator", "States 20 years of experience (lender page, 2026-10-14)" ], "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/ron-haddad/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 17, "score": 46.3, "loan_officer": { "nmls_id": 2101766, "slug": "mike-semo-2101766", "full_name": "Mike Semo", "licensed_names": [ { "name": "Michael Semo", "name_with_middle_initial": "Michael K. Semo", "first_name": "Michael", "middle_initial": "K", "last_name": "Semo", "states": [ "PA" ], "source": "state_regulator", "as_of": "2026-10-09" } ], "canonical_url": "https://lendb.ai/lo/mike-semo-2101766", "json_url": "https://lendb.ai/lo/mike-semo-2101766.json", "lender": { "nmls_id": 65716, "name": "Trident Home Loans", "slug": "trident-home-loans-65716", "canonical_url": "https://lendb.ai/lender/trident-home-loans-65716", "type": "imb" }, "branch": { "city": "Pensacola", "state": "FL" }, "headshot_url": "https://tridenthomeloans.com/wp-content/uploads/2023/02/Mike-Semo-1-e1676675965798-450x450.png", "licensed_states": [ "PA", "GA", "VA" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "construction", "fha", "jumbo", "low-credit", "renovation", "usda", "vacation-home" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://tridenthomeloans.com/mike-semo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/mike-semo-2101766", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://tridenthomeloans.com/mike-semo/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 18, "score": 46, "loan_officer": { "nmls_id": 179208, "slug": "jason-fox-179208", "full_name": "Jason Fox", "licensed_names": [ { "name": "Jason Fox", "name_with_middle_initial": "Jason A. Fox", "first_name": "Jason", "middle_initial": "A", "last_name": "Fox", "states": [ "CA", "DE", "FL", "IA", "MD", "TX" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "json_url": "https://lendb.ai/lo/jason-fox-179208.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "slug": "nfm-lending-2893", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Frederick", "state": "MD" }, "headshot_url": "https://nfmlending.com/wp-content/uploads/Jason-Fox-1x1-1.png", "licensed_states": [ "FL", "DE", "TX", "CA", "CO", "DC", "IA", "IL", "IN", "MD", "MI", "MN", "NC", "PA", "SC", "TN", "VA", "WV" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "heloc" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-08-23", "state": "CA" }, "licensed_since": { "year": 2016, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 23, 2016 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 19, "score": 46, "loan_officer": { "nmls_id": 1466855, "slug": "michael-colella-1466855", "full_name": "Michael Colella", "licensed_names": [ { "name": "Michael Colella", "name_with_middle_initial": "Michael C. Colella", "first_name": "Michael", "middle_initial": "C", "last_name": "Colella", "states": [ "FL", "MD", "NY" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "json_url": "https://lendb.ai/lo/michael-colella-1466855.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "slug": "embrace-home-loans-2184", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Marlton", "state": "NJ" }, "headshot_url": "https://www.embracehomeloans.com/media/mkldbxb5/mcolella_bio72.jpg", "licensed_states": [ "FL", "MD", "NJ", "NY", "PA", "VA", "CT", "MA", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "first-time-buyer", "investor", "low-credit", "multi-family-2-4", "new-construction", "recent-credit-event", "renovation", "rural", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2026-02-09", "state": "FL" }, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://www.embracehomeloans.com/location/new-jersey/marlton/michael-colella", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 9, 2026 (Florida), per state regulator", "States 10 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/michael-colella-1466855", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.embracehomeloans.com/location/new-jersey/marlton/michael-colella" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 20, "score": 45, "loan_officer": { "nmls_id": 229120, "slug": "sarah-pichardo-229120", "full_name": "Sarah Pichardo", "licensed_names": [ { "name": "Sarah Pichardo", "name_with_middle_initial": "Sarah C. Pichardo", "first_name": "Sarah", "middle_initial": "C", "last_name": "Pichardo", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "LA", "MA", "MD", "MO", "NY", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/sarah-pichardo-229120", "json_url": "https://lendb.ai/lo/sarah-pichardo-229120.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": "Fairfax", "state": "VA" }, "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_6640_Sarah_Pichardo", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "NY", "PA", "TX", "AL", "AR", "AZ", "CA", "DC", "GA", "HI", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MS", "NC", "NH", "NJ", "OH", "RI", "SC", "TN", "VA", "VT", "WI", "WV", "WY" ], "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": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "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": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "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" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "low-credit", "new-construction", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-08-15", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/sarah-pichardo", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Fairfax, VA", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 15, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/sarah-pichardo-229120", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/sarah-pichardo" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 21, "score": 45, "loan_officer": { "nmls_id": 2790984, "slug": "mina-boules-2790984", "full_name": "Mina Boules", "canonical_url": "https://lendb.ai/lo/mina-boules-2790984", "json_url": "https://lendb.ai/lo/mina-boules-2790984.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": "Denville", "state": "NJ" }, "headshot_url": "https://thevault.ccm.com/asset/d87bc6c3-2ff7-4d76-a6a1-e60e5577fe80/Website/3480_Boules_2790984.jpg", "licensed_states": [ "VA" ], "licenses": [ { "state": "VA", "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": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/denville-nj-3480/mina-boules/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/mina-boules-2790984", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/denville-nj-3480/mina-boules/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 22, "score": 44.5, "loan_officer": { "nmls_id": 265867, "slug": "jennifer-buckholz-265867", "full_name": "Jennifer Buckholz", "licensed_names": [ { "name": "Jennifer Buckholz", "name_with_middle_initial": "Jennifer A. Buckholz", "first_name": "Jennifer", "middle_initial": "A", "last_name": "Buckholz", "states": [ "AR", "CA", "CO", "FL", "IA", "LA", "OR", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/jennifer-buckholz-265867", "json_url": "https://lendb.ai/lo/jennifer-buckholz-265867.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": "Federal Way", "state": "WA" }, "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_452_Jennifer_Buckholz", "licensed_states": [ "FL", "CO", "PA", "TX", "LA", "AK", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "ME", "MO", "MT", "NC", "NJ", "NV", "OR", "SC", "TN", "VA", "WA", "WY", "AR" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "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": "ME", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "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" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "jumbo", "low-credit", "new-construction", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-07-26", "state": "OR" }, "licensed_since": { "year": 2011, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/jennifer-a-buckholz", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 26, 2011 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jennifer-buckholz-265867", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/jennifer-a-buckholz" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 23, "score": 44, "loan_officer": { "nmls_id": 238561, "slug": "ashley-ortega-238561", "full_name": "Ashley Ortega", "licensed_names": [ { "name": "Ashley Ortega", "name_with_middle_initial": "Ashley K. Ortega", "first_name": "Ashley", "middle_initial": "K", "last_name": "Ortega", "states": [ "CA", "CO", "FL", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/ashley-ortega-238561", "json_url": "https://lendb.ai/lo/ashley-ortega-238561.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": "Coronado", "state": "CA" }, "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_2098_Ashley_Ortega", "licensed_states": [ "FL", "CO", "TX", "AZ", "CA", "ID", "NV", "OR", "TN", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "first-time-buyer", "investor", "low-credit", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-07-17", "state": "CA" }, "licensed_since": { "year": 2012, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/ashley-ortega", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 17, 2012 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/ashley-ortega-238561", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/ashley-ortega" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 24, "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", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "json_url": "https://lendb.ai/lo/benjamin-williams-1025173.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": "San Diego", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/benjamin-williams.jpg", "licensed_states": [ "FL", "CT", "DE", "TX", "AK", "AL", "AR", "AZ", "CA", "CO", "DC", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NM", "OH", "OK", "OR", "PA", "SD", "TN", "UT", "VA", "VT", "WA", "WI", "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": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "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": "lender_reported" }, { "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": "MS", "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": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2013-06-04", "state": "OR" }, "licensed_since": { "year": 2013, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/benjamin-williams-672-elbw.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 4, 2013 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/ca/sandiego/benjamin-williams-672-elbw.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 25, "score": 43, "loan_officer": { "nmls_id": 108829, "slug": "julie-ann-jackson-108829", "full_name": "Julie Ann Jackson", "canonical_url": "https://lendb.ai/lo/julie-ann-jackson-108829", "json_url": "https://lendb.ai/lo/julie-ann-jackson-108829.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": "Oak Harbor", "state": "WA" }, "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_10498_Julie_Jackson_1791325567", "licensed_states": [ "AZ", "CA", "FL", "GA", "ID", "NC", "OR", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "low-credit", "new-construction", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/julie-jackson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "VA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/julie-ann-jackson-108829", "license_check": { "state": "VA", "confidence": "lender_reported", "eligible": true, "label": "VA 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/julie-jackson" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" } ] }