{
  "canonical_url": "https://lendb.ai/s/reverse/kansas",
  "summary": "As of 2026-10-09, LenDb lists 26 loan officers licensed in or based in Kansas whose lender pages show Reverse mortgage work. The top-ranked are Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples), Julie Vari Adams (LeaderOne Financial, Overland Park) and Keran Fears (American Pacific Mortgage, Hillsboro). Ranking is lender-neutral: specialty evidence first, then a license in KS, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "KS",
  "total": 26,
  "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 KS (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": 1496369,
        "slug": "julie-adams-1496369",
        "full_name": "Julie Vari Adams",
        "canonical_url": "https://lendb.ai/lo/julie-adams-1496369",
        "json_url": "https://lendb.ai/lo/julie-adams-1496369.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "CO",
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/julie-adams",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "Branch in Kansas",
        "10 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/julie-adams-1496369"
    },
    {
      "rank": 3,
      "score": 53,
      "loan_officer": {
        "nmls_id": 256586,
        "slug": "keran-fears-256586",
        "full_name": "Keran Fears",
        "canonical_url": "https://lendb.ai/lo/keran-fears-256586",
        "json_url": "https://lendb.ai/lo/keran-fears-256586.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Hillsboro",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/keran-fears",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/keran-fears-256586"
    },
    {
      "rank": 4,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 507517,
        "slug": "erik-patten-507517",
        "full_name": "Erik Patten",
        "canonical_url": "https://lendb.ai/lo/erik-patten-507517",
        "json_url": "https://lendb.ai/lo/erik-patten-507517.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Boulder",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "CA",
          "IA",
          "KS",
          "MN",
          "OK",
          "OR",
          "TX",
          "WY"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/boulder/erik-patten-852-hpep.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-patten-507517"
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1216580,
        "slug": "richard-williams-1216580",
        "full_name": "Rick Williams",
        "canonical_url": "https://lendb.ai/lo/richard-williams-1216580",
        "json_url": "https://lendb.ai/lo/richard-williams-1216580.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",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "KS",
          "ME",
          "MN",
          "MT",
          "OR",
          "PA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4875/richard-williams/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/richard-williams-1216580"
    },
    {
      "rank": 6,
      "score": 51.3,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "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)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kerry-decesare-1031758"
    },
    {
      "rank": 7,
      "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 KS (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-inkman-152707"
    },
    {
      "rank": 8,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 1446942,
        "slug": "zachary-nored-1446942",
        "full_name": "Zack Nored",
        "canonical_url": "https://lendb.ai/lo/zachary-nored-1446942",
        "json_url": "https://lendb.ai/lo/zachary-nored-1446942.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Boise",
          "state": "ID"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "MT",
          "ND",
          "OR",
          "SD",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/id/boise/zack-nored-849-chzno.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "7 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/zachary-nored-1446942"
    },
    {
      "rank": 9,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 1283419,
        "slug": "alexander-carriker-1283419",
        "full_name": "Alex Carriker",
        "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419",
        "json_url": "https://lendb.ai/lo/alexander-carriker-1283419.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/alex-carriker-1283419",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "2 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419"
    },
    {
      "rank": 10,
      "score": 50,
      "loan_officer": {
        "nmls_id": 244648,
        "slug": "christine-jensen-244648",
        "full_name": "Christine Jensen",
        "canonical_url": "https://lendb.ai/lo/christine-jensen-244648",
        "json_url": "https://lendb.ai/lo/christine-jensen-244648.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Arvada",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "KS",
          "NC",
          "NM",
          "OH",
          "OK",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/christine-jensen-244648",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "6 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/christine-jensen-244648"
    },
    {
      "rank": 11,
      "score": 48.5,
      "loan_officer": {
        "nmls_id": 133647,
        "slug": "anthony-byrnes-133647",
        "full_name": "Anthony Byrnes",
        "canonical_url": "https://lendb.ai/lo/anthony-byrnes-133647",
        "json_url": "https://lendb.ai/lo/anthony-byrnes-133647.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",
          "CA",
          "CO",
          "GA",
          "KS",
          "MA",
          "MO",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-3944/anthony-byrnes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)",
        "15 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-byrnes-133647"
    },
    {
      "rank": 12,
      "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 KS (listed on lender page, verified 2026-10-09)",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-ortiz-209728"
    },
    {
      "rank": 13,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 964408,
        "slug": "anita-filardo-964408",
        "full_name": "Anita Filardo",
        "canonical_url": "https://lendb.ai/lo/anita-filardo-964408",
        "json_url": "https://lendb.ai/lo/anita-filardo-964408.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Kansas City",
          "state": "MO"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/anita-filardo-964408",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/anita-filardo-964408"
    },
    {
      "rank": 14,
      "score": 47,
      "loan_officer": {
        "nmls_id": 1639594,
        "slug": "courtney-velvin-1639594",
        "full_name": "Courtney Velvin",
        "canonical_url": "https://lendb.ai/lo/courtney-velvin-1639594",
        "json_url": "https://lendb.ai/lo/courtney-velvin-1639594.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "CA",
          "KS",
          "NE",
          "UT",
          "VA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/co/greenwoodvillage/courtney-velvin-806-chcgi.html",
        "disciplinary_check": "not_checked"
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            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in KS (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/francis-x-ruzicka-232598"
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}