{
  "canonical_url": "https://lendb.ai/s/reverse/alabama",
  "summary": "As of 2026-10-09, LenDb lists 26 loan officers licensed in or based in Alabama whose lender pages show Reverse mortgage work. The top-ranked are Bill Gaylord (Guild Mortgage, Henderson), Dawn Schowalter (Guild Mortgage, Richmond) and Richard Stewart (CrossCountry Mortgage, Greenwood Village). Ranking is lender-neutral: specialty evidence first, then a license in AL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "AL",
  "total": 26,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 680603,
        "slug": "bill-gaylord-680603",
        "full_name": "Bill Gaylord",
        "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603",
        "json_url": "https://lendb.ai/lo/bill-gaylord-680603.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Henderson",
          "state": "NV"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "NV",
          "UT",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 33,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/bill-gaylord-483-vgbg.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "33 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603"
    },
    {
      "rank": 2,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 211115,
        "slug": "dawn-schowalter-211115",
        "full_name": "Dawn Schowalter",
        "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115",
        "json_url": "https://lendb.ai/lo/dawn-schowalter-211115.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "DE",
          "MA",
          "MI",
          "NM",
          "PA",
          "TX",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/dawn-schowalter-613-chdsc.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115"
    },
    {
      "rank": 3,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 1428112,
        "slug": "richard-stewart-1428112",
        "full_name": "Richard Stewart",
        "canonical_url": "https://lendb.ai/lo/richard-stewart-1428112",
        "json_url": "https://lendb.ai/lo/richard-stewart-1428112.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "LA",
          "MN",
          "MO",
          "MT",
          "NV",
          "OK",
          "OR",
          "TX",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 10,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-3144/richard-stewart/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-stewart-1428112"
    },
    {
      "rank": 4,
      "score": 51,
      "loan_officer": {
        "nmls_id": 152707,
        "slug": "michael-inkman-152707",
        "full_name": "Michael Inkman",
        "canonical_url": "https://lendb.ai/lo/michael-inkman-152707",
        "json_url": "https://lendb.ai/lo/michael-inkman-152707.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Carrollton",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "KS",
          "KY",
          "LA",
          "OK",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/michael-inkman-152707"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-inkman-152707"
    },
    {
      "rank": 5,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 319804,
        "slug": "robert-wyatt-319804",
        "full_name": "Rob Wyatt",
        "canonical_url": "https://lendb.ai/lo/robert-wyatt-319804",
        "json_url": "https://lendb.ai/lo/robert-wyatt-319804.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "The Villages",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "LA",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/thevillages/rob-wyatt-609-chrwy.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-wyatt-319804"
    },
    {
      "rank": 6,
      "score": 50,
      "loan_officer": {
        "nmls_id": 1494137,
        "slug": "james-helms-1494137",
        "full_name": "Derek Helms",
        "canonical_url": "https://lendb.ai/lo/james-helms-1494137",
        "json_url": "https://lendb.ai/lo/james-helms-1494137.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Matthews",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "MD",
          "NC",
          "OH",
          "OR",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/derek-helms-1494137"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-helms-1494137"
    },
    {
      "rank": 7,
      "score": 49,
      "loan_officer": {
        "nmls_id": 485942,
        "slug": "megan-brogna-485942",
        "full_name": "Megan Brogna",
        "canonical_url": "https://lendb.ai/lo/megan-brogna-485942",
        "json_url": "https://lendb.ai/lo/megan-brogna-485942.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",
          "AL",
          "AZ",
          "CA",
          "DC",
          "DE",
          "GA",
          "IA",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MO",
          "NC",
          "NH",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-3944/megan-brogna/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/megan-brogna-485942"
    },
    {
      "rank": 8,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 594824,
        "slug": "nicholas-redhead-594824",
        "full_name": "Nick Redhead",
        "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824",
        "json_url": "https://lendb.ai/lo/nicholas-redhead-594824.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "LA",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 23,
        "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/nick-redhead"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/nicholas-redhead-594824"
    },
    {
      "rank": 9,
      "score": 48,
      "loan_officer": {
        "nmls_id": 209728,
        "slug": "patrick-ortiz-209728",
        "full_name": "Patrick Ortiz",
        "canonical_url": "https://lendb.ai/lo/patrick-ortiz-209728",
        "json_url": "https://lendb.ai/lo/patrick-ortiz-209728.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "HI",
          "ID",
          "KS",
          "KY",
          "LA",
          "MT",
          "NM",
          "NV",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-3851/patrick-ortiz/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-ortiz-209728"
    },
    {
      "rank": 10,
      "score": 48,
      "loan_officer": {
        "nmls_id": 453621,
        "slug": "marco-guerra-453621",
        "full_name": "Marco Guerra",
        "canonical_url": "https://lendb.ai/lo/marco-guerra-453621",
        "json_url": "https://lendb.ai/lo/marco-guerra-453621.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Santa Rosa",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "DE",
          "GA",
          "ID",
          "IL",
          "KY",
          "LA",
          "MO",
          "TX",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 32,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/santarosa/marco-guerra-953-ckmgu.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/marco-guerra-453621"
    },
    {
      "rank": 11,
      "score": 48,
      "loan_officer": {
        "nmls_id": 506550,
        "slug": "lujean-mcgee-506550",
        "full_name": "Genie McGee",
        "canonical_url": "https://lendb.ai/lo/lujean-mcgee-506550",
        "json_url": "https://lendb.ai/lo/lujean-mcgee-506550.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Atlanta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CO",
          "IN",
          "LA",
          "NC",
          "SC",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/genie-mcgee-506550"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lujean-mcgee-506550"
    },
    {
      "rank": 12,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 150626,
        "slug": "kirk-ulshafer-150626",
        "full_name": "Kirk Ulshafer",
        "canonical_url": "https://lendb.ai/lo/kirk-ulshafer-150626",
        "json_url": "https://lendb.ai/lo/kirk-ulshafer-150626.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",
          "AL",
          "CA",
          "CO",
          "DC",
          "GA",
          "IL",
          "MD",
          "MI",
          "NJ",
          "OH",
          "PA",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-3944/kirk-ulshafer/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-ulshafer-150626"
    },
    {
      "rank": 13,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 1570471,
        "slug": "wiley-corcoran-1570471",
        "full_name": "Wiley Corcoran",
        "canonical_url": "https://lendb.ai/lo/wiley-corcoran-1570471",
        "json_url": "https://lendb.ai/lo/wiley-corcoran-1570471.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AZ",
          "CA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MO",
          "MS",
          "NV",
          "OR",
          "RI",
          "TN",
          "TX",
          "UT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/wiley-corcoran-332-chwc.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/wiley-corcoran-1570471"
    },
    {
      "rank": 14,
      "score": 47,
      "loan_officer": {
        "nmls_id": 139177,
        "slug": "neil-sweren-139177",
        "full_name": "Neil Sweren",
        "canonical_url": "https://lendb.ai/lo/neil-sweren-139177",
        "json_url": "https://lendb.ai/lo/neil-sweren-139177.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Owings Mills",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "NJ",
          "OH",
          "PA",
          "RI",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/neil-sweren/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/neil-sweren-139177"
    },
    {
      "rank": 15,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 2102342,
        "slug": "damahco-ousley-2102342",
        "full_name": "Damahco Ousley",
        "canonical_url": "https://lendb.ai/lo/damahco-ousley-2102342",
        "json_url": "https://lendb.ai/lo/damahco-ousley-2102342.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "AL",
          "AR",
          "CO",
          "NC",
          "OK",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/damahco-ousley-2102342"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/damahco-ousley-2102342"
    },
    {
      "rank": 16,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 134294,
        "slug": "roy-nunis-134294",
        "full_name": "Todd Nunis",
        "canonical_url": "https://lendb.ai/lo/roy-nunis-134294",
        "json_url": "https://lendb.ai/lo/roy-nunis-134294.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Colleyville",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "NE",
          "NM",
          "NV",
          "OK",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/colleyville/todd-nunis-957-chrn.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/roy-nunis-134294"
    },
    {
      "rank": 17,
      "score": 43.5,
      "loan_officer": {
        "nmls_id": 399405,
        "slug": "devin-fahrner-399405",
        "full_name": "Devin Fahrner",
        "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405",
        "json_url": "https://lendb.ai/lo/devin-fahrner-399405.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eagle",
          "state": "ID"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "ID",
          "IL",
          "IN",
          "MT",
          "NV",
          "OK",
          "OR",
          "SD",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/devin-fahrner"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405"
    },
    {
      "rank": 18,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 1043739,
        "slug": "sarena-talbert-1043739",
        "full_name": "Sarena Talbert",
        "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739",
        "json_url": "https://lendb.ai/lo/sarena-talbert-1043739.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 28,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739"
    },
    {
      "rank": 19,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 2290099,
        "slug": "francisco-sanchez-2290099",
        "full_name": "Frank Sanchez",
        "canonical_url": "https://lendb.ai/lo/francisco-sanchez-2290099",
        "json_url": "https://lendb.ai/lo/francisco-sanchez-2290099.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Katy",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "IA",
          "KS",
          "LA",
          "OK",
          "OR",
          "SC",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/frank-sanchez"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/francisco-sanchez-2290099"
    },
    {
      "rank": 20,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 2520487,
        "slug": "ryan-mcgran-2520487",
        "full_name": "Ryan McGran",
        "canonical_url": "https://lendb.ai/lo/ryan-mcgran-2520487",
        "json_url": "https://lendb.ai/lo/ryan-mcgran-2520487.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "ME",
          "MI",
          "MN",
          "MS",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://litfinancial.com/loan-experts/ryan-mcgran"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-mcgran-2520487"
    },
    {
      "rank": 21,
      "score": 40,
      "loan_officer": {
        "nmls_id": 1734508,
        "slug": "tracy-bolen-1734508",
        "full_name": "Tracy Bolen",
        "canonical_url": "https://lendb.ai/lo/tracy-bolen-1734508",
        "json_url": "https://lendb.ai/lo/tracy-bolen-1734508.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "PR",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/tracy-bolen"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tracy-bolen-1734508"
    },
    {
      "rank": 22,
      "score": 39.8,
      "loan_officer": {
        "nmls_id": 763367,
        "slug": "carol-junge-763367",
        "full_name": "Carol Schultz Junge",
        "canonical_url": "https://lendb.ai/lo/carol-junge-763367",
        "json_url": "https://lendb.ai/lo/carol-junge-763367.json",
        "lender": {
          "nmls_id": 135622,
          "name": "C2 Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/c2-financial-corporation-135622",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "ID",
          "MI",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 25,
        "lender_profile_url": "https://c2financial.com/find-a-loan-officer/cjunge/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/carol-junge-763367"
    },
    {
      "rank": 23,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 247925,
        "slug": "armon-higham-247925",
        "full_name": "Jason Higham",
        "canonical_url": "https://lendb.ai/lo/armon-higham-247925",
        "json_url": "https://lendb.ai/lo/armon-higham-247925.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "The Woodlands",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CO",
          "DE",
          "GA",
          "ID",
          "IN",
          "LA",
          "MD",
          "MN",
          "MO",
          "OH",
          "OK",
          "TN",
          "TX",
          "VA",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/thewoodlands/jason-higham-895-chahi.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/armon-higham-247925"
    },
    {
      "rank": 24,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 1705907,
        "slug": "matthew-navarro-1705907",
        "full_name": "Kane Navarro",
        "canonical_url": "https://lendb.ai/lo/matthew-navarro-1705907",
        "json_url": "https://lendb.ai/lo/matthew-navarro-1705907.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "NV",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/kane-navarro"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-navarro-1705907"
    },
    {
      "rank": 25,
      "score": 36.8,
      "loan_officer": {
        "nmls_id": 2758856,
        "slug": "james-abron-2758856",
        "full_name": "James Abron",
        "canonical_url": "https://lendb.ai/lo/james-abron-2758856",
        "json_url": "https://lendb.ai/lo/james-abron-2758856.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "ME",
          "MI",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "multi-family-2-4",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": 25,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/james-abron-2758856"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AL (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-abron-2758856"
    }
  ]
}