{
  "canonical_url": "https://lendb.ai/s/reverse/arkansas",
  "summary": "As of 2026-10-09, LenDb lists 19 loan officers licensed in or based in Arkansas whose lender pages show Reverse mortgage work. The top-ranked are Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples), Justin Burris (Fairway Independent Mortgage Corporation, Raleigh) and Kenny Rojas (Guild Mortgage, Clarksville). Ranking is lender-neutral: specialty evidence first, then a license in AR, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "AR",
  "total": 19,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 162320,
        "slug": "dawn-pemberton-162320",
        "full_name": "Dawn Rae Pemberton",
        "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320",
        "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "15 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 2,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 659024,
        "slug": "justin-burris-659024",
        "full_name": "Justin Burris",
        "canonical_url": "https://lendb.ai/lo/justin-burris-659024",
        "json_url": "https://lendb.ai/lo/justin-burris-659024.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Raleigh",
          "state": "NC"
        },
        "licensed_states": [
          "AR",
          "NC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/justin-burris-659024",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/justin-burris-659024"
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1737404,
        "slug": "kenneth-rojas-1737404",
        "full_name": "Kenny Rojas",
        "canonical_url": "https://lendb.ai/lo/kenneth-rojas-1737404",
        "json_url": "https://lendb.ai/lo/kenneth-rojas-1737404.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Clarksville",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IN",
          "MI",
          "MN",
          "ND",
          "OK",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tn/clarksville/kenny-rojas-652-chkro.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kenneth-rojas-1737404"
    },
    {
      "rank": 4,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 364066,
        "slug": "jon-karuschkat-364066",
        "full_name": "Jon Karuschkat",
        "canonical_url": "https://lendb.ai/lo/jon-karuschkat-364066",
        "json_url": "https://lendb.ai/lo/jon-karuschkat-364066.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Rogers",
          "state": "AR"
        },
        "licensed_states": [
          "FL",
          "AR",
          "TN",
          "CO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/jon-karuschkat-364066",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "Branch in Arkansas",
        "0 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jon-karuschkat-364066"
    },
    {
      "rank": 5,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-inkman-152707"
    },
    {
      "rank": 6,
      "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/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-ortiz-209728"
    },
    {
      "rank": 7,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 80878,
        "slug": "alison-calamia-80878",
        "full_name": "Alison Calamia",
        "canonical_url": "https://lendb.ai/lo/alison-calamia-80878",
        "json_url": "https://lendb.ai/lo/alison-calamia-80878.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Metairie",
          "state": "LA"
        },
        "licensed_states": [
          "AR",
          "LA",
          "MS",
          "OK",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/la/metairie/alison-calamia-38-chacal.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/alison-calamia-80878"
    },
    {
      "rank": 8,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 1614027,
        "slug": "trevor-satkowski-1614027",
        "full_name": "Trevor Satkowski",
        "canonical_url": "https://lendb.ai/lo/trevor-satkowski-1614027",
        "json_url": "https://lendb.ai/lo/trevor-satkowski-1614027.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": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "HI",
          "LA",
          "MI",
          "NV",
          "OH",
          "OR",
          "SC",
          "SD",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/trevor-roe-satkowski-332-chsr.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/trevor-satkowski-1614027"
    },
    {
      "rank": 9,
      "score": 47,
      "loan_officer": {
        "nmls_id": 178812,
        "slug": "garrison-gross-178812",
        "full_name": "Garrison Gross, CRMP",
        "canonical_url": "https://lendb.ai/lo/garrison-gross-178812",
        "json_url": "https://lendb.ai/lo/garrison-gross-178812.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Purchase",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DC",
          "GA",
          "IL",
          "IN",
          "MA",
          "ME",
          "NC",
          "NH",
          "NJ",
          "NY",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/purchase-ny-5672/garrison-gross/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "12 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/garrison-gross-178812"
    },
    {
      "rank": 10,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/damahco-ousley-2102342"
    },
    {
      "rank": 11,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/roy-nunis-134294"
    },
    {
      "rank": 12,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in AR (listed on lender page, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405"
    },
    {
      "rank": 13,
      "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",
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