{
  "canonical_url": "https://lendb.ai/s/renovation/south-carolina",
  "summary": "As of 2026-10-11, LenDb lists 68 loan officers licensed in or based in South Carolina whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Trevor McFarland (Guild Mortgage, Worcester), Todd Fogel (CrossCountry Mortgage, Sarasota) and Scott Lacey (Guild Mortgage, Lincoln). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "renovation",
  "state": "SC",
  "total": 68,
  "last_verified": "2026-10-11",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "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)",
        "SC 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": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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": 59.8,
      "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": null,
        "earliest_license_record": {
          "date": "2018-11-21",
          "state": "FL"
        },
        "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)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 21, 2018 (Florida), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/todd-fogel-555332",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/sarasota-fl-5198/todd-fogel/"
      },
      "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)",
        "SC 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": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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": 57.8,
      "loan_officer": {
        "nmls_id": 653829,
        "slug": "adam-backes-653829",
        "full_name": "Adam Backes",
        "canonical_url": "https://lendb.ai/lo/adam-backes-653829",
        "json_url": "https://lendb.ai/lo/adam-backes-653829.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "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": "2022-01-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/adam-backes",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-11)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 28, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-backes-653829",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/adam-backes"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 56.8,
      "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": null,
        "earliest_license_record": {
          "date": "2025-11-24",
          "state": "FL"
        },
        "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)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: November 24, 2025 (Florida), per state regulator",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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": 6,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 133361,
        "slug": "joan-zeruld-kofsky-133361",
        "full_name": "Joan Kofsky",
        "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361",
        "json_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "DE",
          "MD",
          "NJ",
          "PA",
          "SC"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2017-10-19",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-2590/joan-zeruld-kofsky/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 19, 2017 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joan-zeruld-kofsky-133361",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/wayne-pa-2590/joan-zeruld-kofsky/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 203614,
        "slug": "archie-vetter-203614",
        "full_name": "Archie E. Vetter",
        "canonical_url": "https://lendb.ai/lo/archie-vetter-203614",
        "json_url": "https://lendb.ai/lo/archie-vetter-203614.json",
        "lender": {
          "nmls_id": 222982,
          "name": "Neighborhood Loans",
          "canonical_url": "https://lendb.ai/lender/neighborhood-loans-222982",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "MI",
          "MN",
          "MO",
          "NC",
          "NV",
          "OH",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "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": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
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          {
            "state": "OH",
            "confidence": "lender_reported"
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          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
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          {
            "state": "TX",
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          {
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        "licensed_since": {
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        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
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      "canonical_url": "https://lendb.ai/lo/laura-lawhon-1296821",
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          "MA",
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          "PA",
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            "state": "MO",
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          {
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        "canonical_url": "https://lendb.ai/lo/eric-dahlgaard-337672",
        "json_url": "https://lendb.ai/lo/eric-dahlgaard-337672.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",
          "CA",
          "GA",
          "IL",
          "MD",
          "ME",
          "NH",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
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        "earliest_license_record": {
          "date": "2011-09-15",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-8265/eric-dahlgaard/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 15, 2011 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-dahlgaard-337672",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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-8265/eric-dahlgaard/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 15,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 545211,
        "slug": "shannon-bradshaw-545211",
        "full_name": "Shannon Bradshaw",
        "canonical_url": "https://lendb.ai/lo/shannon-bradshaw-545211",
        "json_url": "https://lendb.ai/lo/shannon-bradshaw-545211.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Atlanta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "IL",
          "MI",
          "MO",
          "MS",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
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        "earliest_license_record": {
          "date": "2025-07-01",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/atlanta-ga-4286/shannon-bradshaw/",
        "disciplinary_check": "not_checked"
      },
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        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 1, 2025 (Florida), per state regulator",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/shannon-bradshaw-545211",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/atlanta-ga-4286/shannon-bradshaw/"
      },
      "match_status": "exact",
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        "renovation"
      ],
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    },
    {
      "rank": 16,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1450210,
        "slug": "joe-donovan-1450210",
        "full_name": "Joe Donovan",
        "canonical_url": "https://lendb.ai/lo/joe-donovan-1450210",
        "json_url": "https://lendb.ai/lo/joe-donovan-1450210.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Suwanee",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2026-02-05",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/suwanee-ga-4738/joe-donovan/",
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      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 5, 2026 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-donovan-1450210",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/suwanee-ga-4738/joe-donovan/"
      },
      "match_status": "exact",
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        "renovation"
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      "rank": 17,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1737007,
        "slug": "karin-gagliano-1737007",
        "full_name": "Karin Gagliano",
        "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007",
        "json_url": "https://lendb.ai/lo/karin-gagliano-1737007.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Pittsford",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "NY",
          "SC"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2026-03-09",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 9, 2026 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/pittsford-ny-4696/karin-gagliano/"
      },
      "match_status": "exact",
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        "renovation"
      ],
      "unconfirmed_specialties": []
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      "rank": 18,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 102096,
        "slug": "vincent-curcio-102096",
        "full_name": "Vince Curcio",
        "canonical_url": "https://lendb.ai/lo/vincent-curcio-102096",
        "json_url": "https://lendb.ai/lo/vincent-curcio-102096.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
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          "state": null
        },
        "licensed_states": [
          "FL",
          "DC",
          "GA",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2021-08-27",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/vince-curcio/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 27, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/vincent-curcio-102096",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://fhmtg.com/officers/vince-curcio/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
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    {
      "rank": 19,
      "score": 51,
      "loan_officer": {
        "nmls_id": 589352,
        "slug": "marilyn-mikan-589352",
        "full_name": "Marilyn Mikan",
        "canonical_url": "https://lendb.ai/lo/marilyn-mikan-589352",
        "json_url": "https://lendb.ai/lo/marilyn-mikan-589352.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Fayetteville",
          "state": "NC"
        },
        "licensed_states": [
          "GA",
          "MD",
          "NC",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.southerntrust.com/marilyn-mikan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.southerntrust.com/marilyn-mikan/"
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      "matched_specialties": [
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    {
      "rank": 20,
      "score": 51,
      "loan_officer": {
        "nmls_id": 820600,
        "slug": "amy-altenburg-820600",
        "full_name": "Amy Altenburg",
        "canonical_url": "https://lendb.ai/lo/amy-altenburg-820600",
        "json_url": "https://lendb.ai/lo/amy-altenburg-820600.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "NJ",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-02-26",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.southerntrust.com/amy-altenburg/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: February 26, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/amy-altenburg-820600",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.southerntrust.com/amy-altenburg/"
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      "match_status": "exact",
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      "rank": 21,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 313615,
        "slug": "jeanne-bidwell-313615",
        "full_name": "Jeanne Bidwell",
        "canonical_url": "https://lendb.ai/lo/jeanne-bidwell-313615",
        "json_url": "https://lendb.ai/lo/jeanne-bidwell-313615.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "GA",
          "MD",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-09-30",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://fhmtg.com/officers/jeanne-bidwell/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 30, 2021 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeanne-bidwell-313615",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://fhmtg.com/officers/jeanne-bidwell/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 22,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 161236,
        "slug": "bradley-zerbe-161236",
        "full_name": "Brad Zerbe",
        "canonical_url": "https://lendb.ai/lo/bradley-zerbe-161236",
        "json_url": "https://lendb.ai/lo/bradley-zerbe-161236.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Haddonfield",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "NJ",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "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,
        "earliest_license_record": {
          "date": "2025-05-28",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/brad-zerbe/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 28, 2025 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/bradley-zerbe-161236",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://nfmlending.com/loanoriginator/brad-zerbe/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 23,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1401188,
        "slug": "john-parnell-1401188",
        "full_name": "Courtland Parnell",
        "canonical_url": "https://lendb.ai/lo/john-parnell-1401188",
        "json_url": "https://lendb.ai/lo/john-parnell-1401188.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Wilmington",
          "state": "NC"
        },
        "licensed_states": [
          "NC",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "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,
        "earliest_license_record": {
          "date": "2022-01-20",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.southerntrust.com/courtland-parnell/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 20, 2022 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/john-parnell-1401188",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.southerntrust.com/courtland-parnell/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 24,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 2760701,
        "slug": "fabiano-goncalves-da-costa-olmo-2760701",
        "full_name": "Fabiano Olmo",
        "canonical_url": "https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701",
        "json_url": "https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "MD",
          "MI",
          "MN",
          "MS",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "OR",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "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": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "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": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2026-01-15",
          "state": "CO"
        },
        "licensed_since": {
          "year": 2026,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/fabiano-goncalves-da-costa-olmo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 15, 2026 (Colorado), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/cleveland-oh-2131/fabiano-goncalves-da-costa-olmo/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 25,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 369554,
        "slug": "nathan-fitzgerald-369554",
        "full_name": "Nathan Fitzgerald",
        "canonical_url": "https://lendb.ai/lo/nathan-fitzgerald-369554",
        "json_url": "https://lendb.ai/lo/nathan-fitzgerald-369554.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Orlando",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "DC",
          "DE",
          "MD",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2022-03-04",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/orlando-fl-3976/nathan-fitzgerald/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 4, 2022 (Florida), per state regulator",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nathan-fitzgerald-369554",
      "license_check": {
        "state": "SC",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "SC 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/orlando-fl-3976/nathan-fitzgerald/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
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  ]
}