{ "canonical_url": "https://lendb.ai/s/renovation/kansas", "summary": "As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Kansas whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Sandee Lutz (CrossCountry Mortgage, Romeo), Tracey Radinovic (Fairway Independent Mortgage Corporation, Overland Park) and Keran Fears (American Pacific Mortgage, Hillsboro). Ranking is lender-neutral: specialty evidence first, then a license in KS, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "renovation", "state": "KS", "total": 25, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 59.8, "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)", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "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": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS 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/romeo-mi-3209/sandra-lutz/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 997560, "slug": "tracey-radinovic-997560", "full_name": "Tracey Radinovic", "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560", "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "AR", "CA", "IL", "IN", "KS", "MO", "NJ", "NV", "OK", "SC", "TX", "VA" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Overland Park, KS", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560", "license_check": { "state": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/tracey-radinovic-997560" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59, "loan_officer": { "nmls_id": 256586, "slug": "keran-fears-256586", "full_name": "Keran Fears", "canonical_url": "https://lendb.ai/lo/keran-fears-256586", "json_url": "https://lendb.ai/lo/keran-fears-256586.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Hillsboro", "state": "MO" }, "licensed_states": [ "IL", "KS", "MO" ], "licenses": [ { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/keran-fears", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/keran-fears-256586", "license_check": { "state": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/keran-fears" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 56.8, "loan_officer": { "nmls_id": 929683, "slug": "john-higdon-929683", "full_name": "John Higdon", "canonical_url": "https://lendb.ai/lo/john-higdon-929683", "json_url": "https://lendb.ai/lo/john-higdon-929683.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Waterloo", "state": "IA" }, "licensed_states": [ "FL", "GA", "IA", "IL", "KS", "MO", "NE", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 14 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-higdon-929683", "license_check": { "state": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 55.8, "loan_officer": { "nmls_id": 1378534, "slug": "mitchell-dunn-1378534", "full_name": "Mitchell Dunn", "canonical_url": "https://lendb.ai/lo/mitchell-dunn-1378534", "json_url": "https://lendb.ai/lo/mitchell-dunn-1378534.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "IN", "KS", "KY", "NC", "TX" ], "licenses": [ { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/mitchell-dunn-1378534", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mitchell-dunn-1378534", "license_check": { "state": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/mitchell-dunn-1378534" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 52.8, "loan_officer": { "nmls_id": 1660491, "slug": "john-markman-1660491", "full_name": "John Markman", "canonical_url": "https://lendb.ai/lo/john-markman-1660491", "json_url": "https://lendb.ai/lo/john-markman-1660491.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "AR", "KS", "MO" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 16, "lender_profile_url": "https://www.fairway.com/lo/john-markman-1660491", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Overland Park, KS", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/john-markman-1660491", "license_check": { "state": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/john-markman-1660491" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 52.3, "loan_officer": { "nmls_id": 221065, "slug": "adam-miller-221065", "full_name": "Adam Miller", "canonical_url": "https://lendb.ai/lo/adam-miller-221065", "json_url": "https://lendb.ai/lo/adam-miller-221065.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Oak Brook", "state": "IL" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "IA", "IL", "IN", "KS", "MI", "MO", "MS", "TX", "WI" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/adam-miller", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/adam-miller-221065", "license_check": { "state": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.leaderonefinancial.com/mlo/adam-miller" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 51.8, "loan_officer": { "nmls_id": 258898, "slug": "daniel-larkin-258898", "full_name": "Dan Larkin", "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Oak Brook", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IA", "IL", "IN", "KS", "KY", "MD", "MI", "MN", "MO", "NC", "SC", "TN", "TX", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "license_check": { "state": "KS", "confidence": "lender_reported", "eligible": true, "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.leaderonefinancial.com/mlo/dan-larkin" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 1254520, "slug": "matthew-brown-1254520", "full_name": "Matthew Brown", "canonical_url": "https://lendb.ai/lo/matthew-brown-1254520", "json_url": "https://lendb.ai/lo/matthew-brown-1254520.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": "Austin", "state": "TX" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "GA", "IA", "IL", "KS", "KY", "LA", "MD", "ME", "MI", "MN", "MO", "NC", "NH", "NM", "NV", "OH", "OK", "OR", "TN", "TX", "UT", "VA", "VT", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/matthew-brown-1254520", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "KS listed on their lender page (not yet checked with the state regulator; 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