{ "canonical_url": "https://lendb.ai/s/renovation/florida", "summary": "As of 2026-10-10, LenDb lists 26 loan officers licensed in or based in Florida whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Todd Fogel (CrossCountry Mortgage, Sarasota), Trevor McFarland (Guild Mortgage, Worcester) and Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "renovation", "state": "FL", "total": 26, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 65.8, "loan_officer": { "nmls_id": 555332, "slug": "todd-fogel-555332", "full_name": "Todd Fogel", "canonical_url": "https://lendb.ai/lo/todd-fogel-555332", "json_url": "https://lendb.ai/lo/todd-fogel-555332.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Sarasota", "state": "FL" }, "licensed_states": [ "FL", "GA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/sarasota-fl-5198/todd-fogel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Sarasota, FL", "Licensed in FL: confirmed with the Florida regulator (license LO57654), verified 2026-10-09", "Licensed since 2018 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/todd-fogel-555332", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO57654), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 38803, "slug": "trevor-mcfarland-38803", "full_name": "Trevor McFarland", "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803", "json_url": "https://lendb.ai/lo/trevor-mcfarland-38803.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Worcester", "state": "MA" }, "licensed_states": [ "FL", "CT", "MA", "ME", "NH", "RI", "SC" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ma/worcester/trevor-mcfarland-765-rgtmcf.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO67972), verified 2026-10-09", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO67972), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62.8, "loan_officer": { "nmls_id": 62315, "slug": "rene-gonzalez-62315", "full_name": "Rene Gonzalez", "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315", "json_url": "https://lendb.ai/lo/rene-gonzalez-62315.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Freeport", "state": "NY" }, "licensed_states": [ "FL", "CT", "NJ", "NY", "PA" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.fairway.com/lo/rene-gonzalez-62315", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO25423), verified 2026-10-09", "Licensed since 2014 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO25423), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 62.8, "loan_officer": { "nmls_id": 133724, "slug": "roland-gomez-133724", "full_name": "Roland Gomez", "canonical_url": "https://lendb.ai/lo/roland-gomez-133724", "json_url": "https://lendb.ai/lo/roland-gomez-133724.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Orland Park", "state": "IL" }, "licensed_states": [ "FL", "IL", "IN", "MI", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/orland-park-il-3245/roland-gomez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO22259), verified 2026-10-09", "Licensed since 2013 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/roland-gomez-133724", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO22259), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 62.8, "loan_officer": { "nmls_id": 143470, "slug": "michelle-muqtadir-143470", "full_name": "Michelle Muqtadir", "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "HI", "ID", "NV", "OR", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO117004), verified 2026-10-09", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO117004), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 62.8, "loan_officer": { "nmls_id": 194641, "slug": "wendy-seagle-194641", "full_name": "Wendy Seagle", "canonical_url": "https://lendb.ai/lo/wendy-seagle-194641", "json_url": "https://lendb.ai/lo/wendy-seagle-194641.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fort Walton Beach", "state": "FL" }, "licensed_states": [ "AL", "FL", "LA", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 35, "lender_profile_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-5300/wendy-seagle/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Fort Walton Beach, FL", "FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 35 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/wendy-seagle-194641", "license_check": { "state": "FL", "confidence": "lender_reported", "eligible": true, "label": "FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-5300/wendy-seagle/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 62.8, "loan_officer": { "nmls_id": 221466, "slug": "david-ischkum-221466", "full_name": "David Ischkum", "canonical_url": "https://lendb.ai/lo/david-ischkum-221466", "json_url": "https://lendb.ai/lo/david-ischkum-221466.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Dardenne Prairie", "state": "MO" }, "licensed_states": [ "FL", "IL", "IN" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/dardenne-prairie-mo-3107/david-ischkum/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO65202), verified 2026-10-09", "Licensed since 2019 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/david-ischkum-221466", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO65202), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 62.8, "loan_officer": { "nmls_id": 533656, "slug": "sandra-lutz-533656", "full_name": "Sandee Lutz", "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656", "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Romeo", "state": "MI" }, "licensed_states": [ "FL", "AL", "AR", "CA", "CO", "CT", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "ME", "MI", "MN", "MO", "MT", "ND", "OH", "OK", "OR", "SD", "TN", "VA", "WA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO67899), verified 2026-10-09", "Licensed since 2020 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO67899), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 62.5, "loan_officer": { "nmls_id": 23120, "slug": "charles-masse-23120", "full_name": "Charlie Masse", "canonical_url": "https://lendb.ai/lo/charles-masse-23120", "json_url": "https://lendb.ai/lo/charles-masse-23120.json", "lender": { "nmls_id": 2764, "name": "Total Mortgage Services", "canonical_url": "https://lendb.ai/lender/total-mortgage-services-2764", "type": "imb" }, "branch": { "city": "Milford", "state": "CT" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.totalmortgage.com/bankers/charlie-masse", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO128128), verified 2026-10-09", "Licensed since 2024 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/charles-masse-23120", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO128128), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 61.8, "loan_officer": { "nmls_id": 330121, "slug": "mark-minadeo-330121", "full_name": "Mark Minadeo", "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121", "json_url": "https://lendb.ai/lo/mark-minadeo-330121.json", "lender": { "nmls_id": 152859, "name": "Acrisure Mortgage (formerly FBC Mortgage)", "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859", "type": "imb" }, "branch": { "city": "Coconut Creek", "state": "FL" }, "licensed_states": [ "FL", "PA", "DE" ], "licenses": [ { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 16, "licensed_since": { "year": 2010, "state": "FL" }, "years_experience": 10, "lender_profile_url": "https://acrisuremortgage.com/mminadeo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Coconut Creek, FL", "Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09", "Licensed since 2010 (per Florida records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 61.8, "loan_officer": { "nmls_id": 465717, "slug": "wesley-graham-465717", "full_name": "Wesley Graham", "canonical_url": "https://lendb.ai/lo/wesley-graham-465717", "json_url": "https://lendb.ai/lo/wesley-graham-465717.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 12, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/wesley-graham/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender 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