{
  "canonical_url": "https://lendb.ai/s/refinance/wisconsin",
  "summary": "As of 2026-10-26, LenDb lists 25 loan officers licensed in or based in Wisconsin whose lender pages show Refinance work. The top-ranked are Ryan Hall (Guild Mortgage, Menasha), Kim Shuey (Mutual of Omaha Mortgage, Overland Park) and Katie Hammes (Guaranteed Rate Affinity, LLC, Mequon). Ranking is lender-neutral: specialty evidence first, then a license in WI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "refinance",
  "state": "WI",
  "total": 25,
  "last_verified": "2026-10-26",
  "results": [
    {
      "rank": 1,
      "score": 68.8,
      "loan_officer": {
        "nmls_id": 284082,
        "slug": "ryan-hall-284082",
        "full_name": "Ryan Hall",
        "canonical_url": "https://lendb.ai/lo/ryan-hall-284082",
        "json_url": "https://lendb.ai/lo/ryan-hall-284082.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": "Menasha",
          "state": "WI"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/chrha-ryan-hall.jpg",
        "licensed_states": [
          "WI"
        ],
        "licenses": [
          {
            "state": "WI",
            "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",
          "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": "2000-06-20",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2000,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wi/menasha/ryan-hall-154-chrha.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Menasha, WI",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 35219), verified 2026-10-21",
        "Earliest state license record: June 20, 2000 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-hall-284082",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 35219), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 2,
      "score": 62.5,
      "loan_officer": {
        "nmls_id": 410338,
        "slug": "kimberly-shuey-410338",
        "full_name": "Kim Shuey",
        "licensed_names": [
          {
            "name": "Kimberly Shuey",
            "name_with_middle_initial": "Kimberly A. Shuey",
            "first_name": "Kimberly",
            "middle_initial": "A",
            "last_name": "Shuey",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Kimberly Shuey",
            "name_with_middle_initial": null,
            "first_name": "Kimberly",
            "middle_initial": null,
            "last_name": "Shuey",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338",
        "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "DE",
          "MO",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-07-22",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2011,
          "state": "TX"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 410338), verified 2026-10-21",
        "Earliest state license record: July 22, 2011 (Texas), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 410338), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 3,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 1031048,
        "slug": "kathleen-hammes-1031048",
        "full_name": "Katie Hammes",
        "licensed_names": [
          {
            "name": "Kathleen Hammes",
            "name_with_middle_initial": "Kathleen E. Hammes",
            "first_name": "Kathleen",
            "middle_initial": "E",
            "last_name": "Hammes",
            "states": [
              "CO",
              "FL",
              "MO"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-19"
          },
          {
            "name": "Kathleen Hammes",
            "name_with_middle_initial": null,
            "first_name": "Kathleen",
            "middle_initial": null,
            "last_name": "Hammes",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/kathleen-hammes-1031048",
        "json_url": "https://lendb.ai/lo/kathleen-hammes-1031048.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": "Mequon",
          "state": "WI"
        },
        "headshot_url": "https://a.mktgcdn.com/p/F_r87F64u92LdLmNp3Dfm83JFlCj1VOw-Rl49G4nxJI/750x900.png",
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "WI",
          "IL"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-12-27",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2018,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.grarate.com/loan-officers/katie-hammes-1031048",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Office in Mequon, WI",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 1031048), verified 2026-10-21",
        "Earliest state license record: December 27, 2018 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-hammes-1031048",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 1031048), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 4,
      "score": 61,
      "loan_officer": {
        "nmls_id": 95809,
        "slug": "stephanie-o-farrell-95809",
        "full_name": "Stephanie O'Farrell",
        "licensed_names": [
          {
            "name": "Stephanie O'Farrell",
            "name_with_middle_initial": "Stephanie L. O'Farrell",
            "first_name": "Stephanie",
            "middle_initial": "L",
            "last_name": "O'Farrell",
            "states": [
              "AR",
              "CA",
              "CO",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809",
        "json_url": "https://lendb.ai/lo/stephanie-o-farrell-95809.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/Stephanie_OFarrell.png",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "LA",
          "DE",
          "MO",
          "AR",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2008-11-17",
          "state": "IL"
        },
        "licensed_since": {
          "year": 2008,
          "state": "IL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/sofarrell/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 95809), verified 2026-10-21",
        "Earliest state license record: November 17, 2008 (Illinois), per state regulator",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/stephanie-o-farrell-95809",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 95809), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 5,
      "score": 59.5,
      "loan_officer": {
        "nmls_id": 133559,
        "slug": "steven-hochrein-133559",
        "full_name": "Steve Hochrein",
        "licensed_names": [
          {
            "name": "Steven Hochrein",
            "name_with_middle_initial": "Steven F. Hochrein",
            "first_name": "Steven",
            "middle_initial": "F",
            "last_name": "Hochrein",
            "states": [
              "AR",
              "CA",
              "CT",
              "DE",
              "FL",
              "IA",
              "LA",
              "MA",
              "MD",
              "MO",
              "NY",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-30"
          },
          {
            "name": "Steven Hochrein",
            "name_with_middle_initial": null,
            "first_name": "Steven",
            "middle_initial": null,
            "last_name": "Hochrein",
            "states": [
              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
        "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "slug": "newrez-3013",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "headshot_url": "https://www.newrez.com/media/l0dokb2s/steven-hochrein-1.jpg?width=460&height=614&rmode=crop&format=webp&quality=80",
        "licensed_states": [
          "FL",
          "TX",
          "CT",
          "LA",
          "DE",
          "MO",
          "AZ",
          "MA",
          "AR",
          "IA",
          "WI",
          "CA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "confirmed"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2011-02-21",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 133559), verified 2026-10-21",
        "Earliest state license record: February 21, 2011 (Florida), per state regulator",
        "States 14 years of experience (lender page, 2026-10-14)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 133559), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
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          "date": "2014-01-02",
          "state": "WI"
        },
        "licensed_since": {
          "year": 2014,
          "state": "WI"
        },
        "years_experience": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/travisgoltz/",
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      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: January 2, 2014 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/travis-goltz-351337",
      "license_check": {
        "state": "WI",
        "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": "2026-10-26",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 20,
      "score": 48.8,
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        "slug": "jacob-longhta-1595726",
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        "licensed_names": [
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            "name": "Jacob Longhta",
            "name_with_middle_initial": "Jacob T. Longhta",
            "first_name": "Jacob",
            "middle_initial": "T",
            "last_name": "Longhta",
            "states": [
              "CA",
              "CO",
              "CT",
              "FL",
              "IA",
              "LA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          },
          {
            "name": "Jacob Longhta",
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            "first_name": "Jacob",
            "middle_initial": null,
            "last_name": "Longhta",
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              "IL",
              "WI"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-27"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/jacob-longhta-1595726",
        "json_url": "https://lendb.ai/lo/jacob-longhta-1595726.json",
        "lender": {
          "nmls_id": 1025894,
          "name": "Mutual of Omaha Mortgage",
          "slug": "mutual-of-omaha-mortgage-1025894",
          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
          "type": "imb"
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        "branch": {
          "city": "Overland Park",
          "state": "KS"
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        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/08/Jake_Longhta.png",
        "licensed_states": [
          "FL",
          "CO",
          "TX",
          "CT",
          "LA",
          "MO",
          "IA",
          "OR",
          "WI",
          "CA",
          "MA",
          "MD",
          "WY",
          "IL"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "confirmed"
          },
          {
            "state": "MA",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WI",
            "confidence": "confirmed"
          },
          {
            "state": "WY",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "construction",
          "down-payment-assistance",
          "dscr",
          "heloc",
          "investor",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-04-04",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2018,
          "state": "CO"
        },
        "years_experience": 10,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/jlonghta/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 1595726), verified 2026-10-21",
        "Earliest state license record: April 4, 2018 (Colorado), per state regulator",
        "States 10 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/jacob-longhta-1595726",
      "license_check": {
        "state": "WI",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in WI: confirmed with the Wisconsin regulator (license 1595726), verified 2026-10-21",
        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 21,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 1191905,
        "slug": "bryan-miller-1191905",
        "full_name": "Bryan Miller",
        "licensed_names": [
          {
            "name": "Bryan Miller",
            "name_with_middle_initial": "Bryan L. Miller",
            "first_name": "Bryan",
            "middle_initial": "L",
            "last_name": "Miller",
            "states": [
              "FL",
              "IA",
              "NY"
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            "source": "state_regulator",
            "as_of": "2026-10-19"
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        ],
        "canonical_url": "https://lendb.ai/lo/bryan-miller-1191905",
        "json_url": "https://lendb.ai/lo/bryan-miller-1191905.json",
        "lender": {
          "nmls_id": 411500,
          "name": "The Federal Savings Bank",
          "slug": "the-federal-savings-bank-411500",
          "canonical_url": "https://lendb.ai/lender/the-federal-savings-bank-411500",
          "type": "bank"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://www.thefederalsavingsbank.com/wp-content/uploads/2025/03/1191905.jpg",
        "licensed_states": [],
        "licenses": [],
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        "languages": [],
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        },
        "licensed_since": {
          "year": 2018,
          "state": "WI"
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        "years_experience": null,
        "lender_profile_url": "https://www.thefederalsavingsbank.com/bankers/bryan-miller/",
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Earliest state license record: July 30, 2018 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/bryan-miller-1191905",
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        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-26",
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            "last_name": "Priami",
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              "MA",
              "MO"
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        "canonical_url": "https://lendb.ai/lo/michael-priami-2779885",
        "json_url": "https://lendb.ai/lo/michael-priami-2779885.json",
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          "name": "Mutual of Omaha Mortgage",
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          "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894",
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        "branch": {
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        "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/09/MichaelPriami.png",
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          "LA",
          "MO",
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          "MA",
          "IL"
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        "licenses": [
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            "state": "MA",
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            "state": "MO",
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          "down-payment-assistance",
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        "licensed_since": {
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          "state": "WI"
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        "years_experience": null,
        "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/mpriami/",
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        "Earliest state license record: January 13, 2026 (Wisconsin), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-priami-2779885",
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        "verified_at": "2026-10-21",
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      "score": 47,
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        ],
        "canonical_url": "https://lendb.ai/lo/britainy-wilkerson-1137924",
        "json_url": "https://lendb.ai/lo/britainy-wilkerson-1137924.json",
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          "name": "Xpert Home Lending",
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          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
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        "earliest_license_record": {
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        "licensed_since": {
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        "years_experience": 15,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/britainy-wilkerson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-21)",
        "Licensed in WI: confirmed with the Wisconsin regulator (license 1137924), verified 2026-10-21",
        "Earliest state license record: December 4, 2023 (Iowa), per state regulator",
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      ],
      "canonical_url": "https://lendb.ai/lo/britainy-wilkerson-1137924",
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        "eligible": true,
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        "verified_at": "2026-10-21",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/"
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      "match_status": "exact",
      "matched_specialties": [
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      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
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    {
      "rank": 24,
      "score": 46.5,
      "loan_officer": {
        "nmls_id": 1025173,
        "slug": "benjamin-williams-1025173",
        "full_name": "Benjamin Williams",
        "licensed_names": [
          {
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            "name_with_middle_initial": "Benjamin A. Williams",
            "first_name": "Benjamin",
            "middle_initial": "A",
            "last_name": "Williams",
            "states": [
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              "CA",
              "CT",
              "DE",
              "FL",
              "IA",
              "MA",
              "MD",
              "MO",
              "OR",
              "TX",
              "WY"
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            "source": "state_regulator",
            "as_of": "2026-10-30"
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        "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"
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        "branch": {
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          "state": "CA"
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        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/benjamin-williams.jpg",
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          "AK",
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          "AZ",
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          "DC",
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          "OH",
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          "PA",
          "SD",
          "TN",
          "UT",
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          "WA",
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        "licenses": [
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "state": "AR",
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            "state": "CA",
            "confidence": "confirmed"
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            "state": "CO",
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          {
            "state": "KY",
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          {
            "state": "LA",
            "confidence": "lender_reported"
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          {
            "state": "MA",
            "confidence": "confirmed"
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          {
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          {
            "state": "ME",
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          {
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          {
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            "confidence": "lender_reported"
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          {
            "state": "MO",
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          {
            "state": "MS",
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          {
            "state": "MT",
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          {
            "state": "NC",
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          {
            "state": "ND",
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          {
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          {
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