{ "canonical_url": "https://lendb.ai/s/renovation/massachusetts", "summary": "As of 2026-10-11, LenDb lists 29 loan officers licensed in or based in Massachusetts whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Trevor McFarland (Guild Mortgage, Worcester), David Samara (CMG Home Loans, Worcester) and Scott Lacey (Guild Mortgage, Lincoln). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "renovation", "state": "MA", "total": 29, "last_verified": "2026-10-11", "results": [ { "rank": 1, "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": null, "earliest_license_record": { "date": "2020-02-17", "state": "FL" }, "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)", "Office in Worcester, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 17, 2020 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/trevor-mcfarland-38803", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/ma/worcester/trevor-mcfarland-765-rgtmcf.html" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 60.8, "loan_officer": { "nmls_id": 29773, "slug": "david-samara-29773", "full_name": "David Samara", "canonical_url": "https://lendb.ai/lo/david-samara-29773", "json_url": "https://lendb.ai/lo/david-samara-29773.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Worcester", "state": "MA" }, "licensed_states": [ "FL", "MA", "NH", "RI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-11-17", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 23, "lender_profile_url": "https://www.cmghomeloans.com/mysite/david-samara", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11)", "Office in Worcester, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 17, 2022 (Florida), per state regulator", "States 23 years of experience (lender page, 2026-10-11)" ], "canonical_url": "https://lendb.ai/lo/david-samara-29773", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-11", "source_url": "https://www.cmghomeloans.com/mysite/david-samara" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 57.8, "loan_officer": { "nmls_id": 8154, "slug": "scott-lacey-8154", "full_name": "Scott Lacey", "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "json_url": "https://lendb.ai/lo/scott-lacey-8154.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lincoln", "state": "RI" }, "licensed_states": [ "FL", "PA", "AL", "CT", "DC", "DE", "GA", "IN", "KY", "MA", "MD", "ME", "MI", "MS", "NC", "NH", "NJ", "RI", "SC", "TN", "VA", "VT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "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": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-08-05", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ri/lincoln/scott-lacey-522-rgsla.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 5, 2020 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/scott-lacey-8154", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/ri/lincoln/scott-lacey-522-rgsla.html" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 57, "loan_officer": { "nmls_id": 2051827, "slug": "derick-andrade-2051827", "full_name": "Derick Andrade", "canonical_url": "https://lendb.ai/lo/derick-andrade-2051827", "json_url": "https://lendb.ai/lo/derick-andrade-2051827.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Seekonk", "state": "MA" }, "licensed_states": [ "FL", "CT", "MA", "RI" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es", "pt" ], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-08-25", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 12, "lender_profile_url": "https://firsthome.com/loan-officers/derick-andrade/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Seekonk, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 25, 2023 (Florida), per state regulator", "States 12 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/derick-andrade-2051827", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://firsthome.com/loan-officers/derick-andrade/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 54.8, "loan_officer": { "nmls_id": 35693, "slug": "nick-zannelli-35693", "full_name": "Nick Zannelli", "canonical_url": "https://lendb.ai/lo/nick-zannelli-35693", "json_url": "https://lendb.ai/lo/nick-zannelli-35693.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Beverly", "state": "MA" }, "licensed_states": [ "MA" ], "licenses": [ { "state": "MA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4804/nicolo-zannelli/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Beverly, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nick-zannelli-35693", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/beverly-ma-4804/nicolo-zannelli/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 54.8, "loan_officer": { "nmls_id": 706769, "slug": "leo-turco-706769", "full_name": "Leo Turco", "canonical_url": "https://lendb.ai/lo/leo-turco-706769", "json_url": "https://lendb.ai/lo/leo-turco-706769.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Topsfield", "state": "MA" }, "licensed_states": [ "FL", "MA", "ME", "NH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-02-03", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/topsfield-ma-4754/leo-turco/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Topsfield, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 3, 2025 (Florida), per state regulator", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/leo-turco-706769", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/topsfield-ma-4754/leo-turco/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 52.8, "loan_officer": { "nmls_id": 50076, "slug": "kathy-vasel-50076", "full_name": "Kathy Vasel", "canonical_url": "https://lendb.ai/lo/kathy-vasel-50076", "json_url": "https://lendb.ai/lo/kathy-vasel-50076.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Andover", "state": "MA" }, "licensed_states": [ "MA", "NH" ], "licenses": [ { "state": "MA", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/andover-ma-4827/katherine-vasel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Andover, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kathy-vasel-50076", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/andover-ma-4827/katherine-vasel/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 52.3, "loan_officer": { "nmls_id": 1537524, "slug": "christopher-loughlin-1537524", "full_name": "Chris Loughlin", "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524", "json_url": "https://lendb.ai/lo/christopher-loughlin-1537524.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Baltimore", "state": "MD" }, "licensed_states": [ "FL", "CT", "DC", "DE", "GA", "MA", "MD", "MI", "NC", "NJ", "OH", "PA", "RI", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "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": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-08-14", "state": "FL" }, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/chris-loughlin/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 14, 2017 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/christopher-loughlin-1537524", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://firsthome.com/loan-officers/chris-loughlin/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 51.8, "loan_officer": { "nmls_id": 404383, "slug": "lisa-umbehauer-404383", "full_name": "Lisa Umbehauer", "canonical_url": "https://lendb.ai/lo/lisa-umbehauer-404383", "json_url": "https://lendb.ai/lo/lisa-umbehauer-404383.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Union", "state": "NJ" }, "licensed_states": [ "MA", "NJ", "PA", "TX" ], "licenses": [ { "state": "MA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3447/lisa-umbehauer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "MA 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/lisa-umbehauer-404383", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/union-nj-3447/lisa-umbehauer/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51.8, "loan_officer": { "nmls_id": 1181982, "slug": "sara-wescott-1181982", "full_name": "Sara Wescott", "canonical_url": "https://lendb.ai/lo/sara-wescott-1181982", "json_url": "https://lendb.ai/lo/sara-wescott-1181982.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "South Portland", "state": "ME" }, "licensed_states": [ "FL", "MA", "ME", "NH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-08-25", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/south-portland-me-3182/sara-wescott/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 25, 2021 (Florida), per state regulator", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sara-wescott-1181982", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/south-portland-me-3182/sara-wescott/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 51.3, "loan_officer": { "nmls_id": 1216345, "slug": "erik-ferm-1216345", "full_name": "Erik Ferm", "canonical_url": "https://lendb.ai/lo/erik-ferm-1216345", "json_url": "https://lendb.ai/lo/erik-ferm-1216345.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Norwell", "state": "MA" }, "licensed_states": [ "MA", "ME", "NH" ], "licenses": [ { "state": "MA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-03-23", "state": "FL" }, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 13, "lender_profile_url": "https://crosscountrymortgage.com/norwell-ma-4814/erik-ferm/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Norwell, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 23, 2023 (Florida), per state regulator", "States 13 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/erik-ferm-1216345", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/norwell-ma-4814/erik-ferm/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 50, "loan_officer": { "nmls_id": 115796, "slug": "amy-dirazonian-115796", "full_name": "Amy Dirazonian", "canonical_url": "https://lendb.ai/lo/amy-dirazonian-115796", "json_url": "https://lendb.ai/lo/amy-dirazonian-115796.json", "lender": { "nmls_id": 39179, "name": "Movement Mortgage", "canonical_url": "https://lendb.ai/lender/movement-mortgage-39179", "type": "imb" }, "branch": { "city": "Danvers", "state": "MA" }, "licensed_states": [ "MA" ], "licenses": [ { "state": "MA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://movement.com/lo/amy-dirazonian", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Danvers, MA", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/amy-dirazonian-115796", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://movement.com/lo/amy-dirazonian" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 47.3, "loan_officer": { "nmls_id": 2643728, "slug": "gregory-fearnley-2643728", "full_name": "Greg Fearnley", "canonical_url": "https://lendb.ai/lo/gregory-fearnley-2643728", "json_url": "https://lendb.ai/lo/gregory-fearnley-2643728.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "AL", "AZ", "CA", "CO", "CT", "DC", "GA", "IA", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MO", "NC", "NH", "NY", "PA", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2025-01-08", "state": "FL" }, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 11, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4539/gregory-fearnley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "MA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 8, 2025 (Florida), per state regulator", "States 11 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gregory-fearnley-2643728", "license_check": { "state": "MA", "confidence": "lender_reported", "eligible": true, "label": "MA 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/tampa-fl-4539/gregory-fearnley/" }, "match_status": "exact", "matched_specialties": [ "renovation" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 46.8, "loan_officer": { "nmls_id": 2224020, "slug": "christopher-falbo-2224020", "full_name": "Chris Falbo, CRMP, CMA", "canonical_url": "https://lendb.ai/lo/christopher-falbo-2224020", "json_url": "https://lendb.ai/lo/christopher-falbo-2224020.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Beverly", "state": "MA" }, "licensed_states": [ "FL", "CT", "MA", "ME", "NH", "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": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-04-06", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4805/christopher-falbo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)", "Office in Beverly, MA", "MA listed on their lender page (not yet checked with the state regulator; 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