{
  "canonical_url": "https://lendb.ai/s/reverse/missouri",
  "summary": "As of 2026-10-09, LenDb lists 27 loan officers licensed in or based in Missouri whose lender pages show Reverse mortgage work. The top-ranked are Keran Fears (American Pacific Mortgage, Hillsboro), Stacy Fridal (Guild Mortgage, Fort Collins) and Tom Hammond (CrossCountry Mortgage, Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in MO, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "MO",
  "total": 27,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58,
      "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"
        },
        "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"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/keran-fears-256586"
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 289577,
        "slug": "stacy-fridal-289577",
        "full_name": "Stacy Fridal",
        "canonical_url": "https://lendb.ai/lo/stacy-fridal-289577",
        "json_url": "https://lendb.ai/lo/stacy-fridal-289577.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Fort Collins",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "FL",
          "MO",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/co/fortcollins/stacy-fridal-629-chsf.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/stacy-fridal-289577"
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 453399,
        "slug": "tom-hammond-453399",
        "full_name": "Tom Hammond",
        "canonical_url": "https://lendb.ai/lo/tom-hammond-453399",
        "json_url": "https://lendb.ai/lo/tom-hammond-453399.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "CA",
          "GA",
          "MO",
          "NC",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-4357/thomas-hammond/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tom-hammond-453399"
    },
    {
      "rank": 4,
      "score": 53.3,
      "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"
        },
        "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"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 5,
      "score": 51.3,
      "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"
        },
        "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"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/alexander-carriker-1283419"
    },
    {
      "rank": 6,
      "score": 50.8,
      "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"
        },
        "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"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/julie-adams-1496369"
    },
    {
      "rank": 7,
      "score": 49.3,
      "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"
        },
        "branch": {
          "city": "Bloomington",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "MI",
          "MN",
          "MO",
          "PA",
          "SD",
          "TX",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 45,
        "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-3618/earl-rose/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/earl-rose-212480"
    },
    {
      "rank": 8,
      "score": 48.8,
      "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"
        },
        "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"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/anita-filardo-964408"
    },
    {
      "rank": 9,
      "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"
        },
        "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 MO (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": 10,
      "score": 47.3,
      "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"
        },
        "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 MO (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": 11,
      "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"
        },
        "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 MO (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": 12,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 8164,
        "slug": "aaron-rourke-8164",
        "full_name": "Aaron Rourke",
        "canonical_url": "https://lendb.ai/lo/aaron-rourke-8164",
        "json_url": "https://lendb.ai/lo/aaron-rourke-8164.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/aaron-rourke-8164"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/aaron-rourke-8164"
    },
    {
      "rank": 13,
      "score": 45,
      "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"
        },
        "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 MO (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": 14,
      "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"
        },
        "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 MO (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": 15,
      "score": 44.5,
      "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"
        },
        "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/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-byrnes-133647"
    },
    {
      "rank": 16,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 1151654,
        "slug": "samuel-bromley-1151654",
        "full_name": "Sam Bromley",
        "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654",
        "json_url": "https://lendb.ai/lo/samuel-bromley-1151654.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "KS",
          "MN",
          "MO",
          "OR",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "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": 12,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/samuel-bromley"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654"
    },
    {
      "rank": 17,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 232598,
        "slug": "francis-x-ruzicka-232598",
        "full_name": "Francis X Ruzicka",
        "canonical_url": "https://lendb.ai/lo/francis-x-ruzicka-232598",
        "json_url": "https://lendb.ai/lo/francis-x-ruzicka-232598.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Chesterfield",
          "state": "MO"
        },
        "licensed_states": [
          "AR",
          "IL",
          "IN",
          "KS",
          "MO",
          "OH",
          "OK",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/francis-ruzicka-122-cnfr.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/francis-x-ruzicka-232598"
    },
    {
      "rank": 18,
      "score": 41.3,
      "loan_officer": {
        "nmls_id": 930224,
        "slug": "brian-smith-930224",
        "full_name": "Brian Smith",
        "canonical_url": "https://lendb.ai/lo/brian-smith-930224",
        "json_url": "https://lendb.ai/lo/brian-smith-930224.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Austin",
          "state": "TX"
        },
        "licensed_states": [
          "CA",
          "KS",
          "MO",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/austin/brian-smith-658-apbsm.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-smith-930224"
    },
    {
      "rank": 19,
      "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"
        },
        "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 MO (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": 20,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 39527,
        "slug": "patrick-stoy-39527",
        "full_name": "Patrick Stoy",
        "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527",
        "json_url": "https://lendb.ai/lo/patrick-stoy-39527.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Wilmington",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "KY",
          "MN",
          "MO",
          "MT",
          "NC",
          "NM",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-4427/patrick-stoy/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-stoy-39527"
    },
    {
      "rank": 21,
      "score": 39.3,
      "loan_officer": {
        "nmls_id": 114080,
        "slug": "arthur-buhrer-114080",
        "full_name": "Arthur Buhrer",
        "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080",
        "json_url": "https://lendb.ai/lo/arthur-buhrer-114080.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Sequim",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "MO",
          "MT",
          "NC",
          "ND",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/sequim-wa-5532/arthur-buhrer/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080"
    },
    {
      "rank": 22,
      "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"
        },
        "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 MO (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": 23,
      "score": 38.8,
      "loan_officer": {
        "nmls_id": 315592,
        "slug": "brett-shaw-315592",
        "full_name": "Brett Shaw",
        "canonical_url": "https://lendb.ai/lo/brett-shaw-315592",
        "json_url": "https://lendb.ai/lo/brett-shaw-315592.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 20,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/brett-shaw"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brett-shaw-315592"
    },
    {
      "rank": 24,
      "score": 38.8,
      "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"
        },
        "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 MO (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": 25,
      "score": 38,
      "loan_officer": {
        "nmls_id": 200175,
        "slug": "court-crofoot-200175",
        "full_name": "Court Crofoot",
        "canonical_url": "https://lendb.ai/lo/court-crofoot-200175",
        "json_url": "https://lendb.ai/lo/court-crofoot-200175.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IL",
          "KS",
          "MO",
          "NC",
          "TX",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-3641/courtney-crofoot/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/court-crofoot-200175"
    }
  ]
}