{ "canonical_url": "https://lendb.ai/s/reverse/arizona", "summary": "As of 2026-10-09, LenDb lists 96 loan officers licensed in or based in Arizona whose lender pages show Reverse mortgage work. The top-ranked are Gregg Scharin (CrossCountry Mortgage, Scottsdale), Terry Finnegan (American Pacific Mortgage, Scottsdale) and Earl Rose (CrossCountry Mortgage, Bloomington). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "reverse", "state": "AZ", "total": 96, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 120297, "slug": "andrew-scharin-120297", "full_name": "Gregg Scharin", "canonical_url": "https://lendb.ai/lo/andrew-scharin-120297", "json_url": "https://lendb.ai/lo/andrew-scharin-120297.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "ID", "IN", "MI", "NV", "OR", "SC", "TN", "TX", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4356/andrew-scharin/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/andrew-scharin-120297", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/scottsdale-az-4356/andrew-scharin/" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 60, "loan_officer": { "nmls_id": 1268352, "slug": "terry-finnegan-1268352", "full_name": "Terry Finnegan", "canonical_url": "https://lendb.ai/lo/terry-finnegan-1268352", "json_url": "https://lendb.ai/lo/terry-finnegan-1268352.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "AZ", "CA", "PA", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 22, "lender_profile_url": "https://www.apmortgage.com/terry-finnegan", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "Office in Scottsdale, AZ", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/terry-finnegan-1268352", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/terry-finnegan" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 212480, "slug": "earl-rose-212480", "full_name": "Earl Rose", "canonical_url": "https://lendb.ai/lo/earl-rose-212480", "json_url": "https://lendb.ai/lo/earl-rose-212480.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bloomington", "state": "MN" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IA", "IL", "IN", "MI", "MN", "MO", "PA", "SD", "TX", "WA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "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": "PA", "confidence": "confirmed" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 45, "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-3618/earl-rose/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 45 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/earl-rose-212480", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/bloomington-mn-3618/earl-rose/" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 59.8, "loan_officer": { "nmls_id": 232239, "slug": "jeffrey-cota-232239", "full_name": "Jeff Cota, CRMP", "canonical_url": "https://lendb.ai/lo/jeffrey-cota-232239", "json_url": "https://lendb.ai/lo/jeffrey-cota-232239.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-8179/jeffrey-cota/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeffrey-cota-232239", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/san-diego-ca-8179/jeffrey-cota/" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 59.8, "loan_officer": { "nmls_id": 283559, "slug": "brandon-hansen-283559", "full_name": "Brandon Hansen", "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559", "json_url": "https://lendb.ai/lo/brandon-hansen-283559.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Toquerville", "state": "UT" }, "licensed_states": [ "FL", "AZ", "CA", "ID", "NM", "NV", "OR", "TX", "UT", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "asset-based", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://branches.guildmortgage.com/ut/toquerville/brandon-hansen-817-chbh.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/ut/toquerville/brandon-hansen-817-chbh.html" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 59.8, "loan_officer": { "nmls_id": 304887, "slug": "rick-gerkman-304887", "full_name": "Rick Gerkman", "canonical_url": "https://lendb.ai/lo/rick-gerkman-304887", "json_url": "https://lendb.ai/lo/rick-gerkman-304887.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lake Oswego", "state": "OR" }, "licensed_states": [ "AZ", "CA", "HI", "ID", "OR", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/lake-oswego-or-4318/richard-gerkman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "AZ 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)" ], "canonical_url": "https://lendb.ai/lo/rick-gerkman-304887", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/lake-oswego-or-4318/richard-gerkman/" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 59.8, "loan_officer": { "nmls_id": 489545, "slug": "tom-russell-489545", "full_name": "Tom Russell", "canonical_url": "https://lendb.ai/lo/tom-russell-489545", "json_url": "https://lendb.ai/lo/tom-russell-489545.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Wilsonville", "state": "OR" }, "licensed_states": [ "AZ", "CA", "ID", "OR", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/or/wilsonville/tom-russell-17-wvtr.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/tom-russell-489545", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/or/wilsonville/tom-russell-17-wvtr.html" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 59.8, "loan_officer": { "nmls_id": 1031758, "slug": "kerry-decesare-1031758", "full_name": "KC DeCesare", "canonical_url": "https://lendb.ai/lo/kerry-decesare-1031758", "json_url": "https://lendb.ai/lo/kerry-decesare-1031758.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Las Vegas", "state": "NV" }, "licensed_states": [ "AZ", "CO", "GA", "KS", "MO", "NV", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-5249/kerry-decesare/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kerry-decesare-1031758", "license_check": { "state": "AZ", "confidence": "lender_reported", "eligible": true, "label": "AZ 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/las-vegas-nv-5249/kerry-decesare/" }, "match_status": "exact", "matched_specialties": [ "reverse" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 59.3, "loan_officer": { "nmls_id": 1582158, "slug": "john-berglund-1582158", "full_name": "John Berglund", "canonical_url": "https://lendb.ai/lo/john-berglund-1582158", "json_url": "https://lendb.ai/lo/john-berglund-1582158.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": [ "AZ", "OR", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/john-berglund-1582158", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)", "AZ listed on their lender page (not yet checked with the state regulator; 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