{
  "canonical_url": "https://lendb.ai/s/reverse/pennsylvania",
  "summary": "As of 2026-10-09, LenDb lists 26 loan officers licensed in or based in Pennsylvania whose lender pages show Reverse mortgage work. The top-ranked are James Ward (Fairway Independent Mortgage Corporation, Houston), Rene Gonzalez (Fairway Independent Mortgage Corporation, Freeport) and Dawn Rae Pemberton (Fairway Independent Mortgage Corporation, Naples). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "PA",
  "total": 26,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 168854,
        "slug": "james-ward-168854",
        "full_name": "James Ward",
        "canonical_url": "https://lendb.ai/lo/james-ward-168854",
        "json_url": "https://lendb.ai/lo/james-ward-168854.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "PA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/james-ward-168854"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-ward-168854"
    },
    {
      "rank": 2,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 62315,
        "slug": "rene-gonzalez-62315",
        "full_name": "Rene Gonzalez",
        "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315",
        "json_url": "https://lendb.ai/lo/rene-gonzalez-62315.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Freeport",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CT",
          "NJ",
          "NY",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/rene-gonzalez-62315"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rene-gonzalez-62315"
    },
    {
      "rank": 3,
      "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 PA (state license, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 4,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 211115,
        "slug": "dawn-schowalter-211115",
        "full_name": "Dawn Schowalter",
        "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115",
        "json_url": "https://lendb.ai/lo/dawn-schowalter-211115.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "DE",
          "MA",
          "MI",
          "NM",
          "PA",
          "TX",
          "VA",
          "VT",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/dawn-schowalter-613-chdsc.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-schowalter-211115"
    },
    {
      "rank": 5,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 397642,
        "slug": "gerald-brody-397642",
        "full_name": "Gerald Brody",
        "canonical_url": "https://lendb.ai/lo/gerald-brody-397642",
        "json_url": "https://lendb.ai/lo/gerald-brody-397642.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Southfield",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IL",
          "MI",
          "NC",
          "NJ",
          "OH",
          "PA",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/southfield-mi-2330/gerald-brody/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (state license, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gerald-brody-397642"
    },
    {
      "rank": 6,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 615769,
        "slug": "tanya-mace-615769",
        "full_name": "Tanya Mace",
        "canonical_url": "https://lendb.ai/lo/tanya-mace-615769",
        "json_url": "https://lendb.ai/lo/tanya-mace-615769.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "West Lawn",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "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": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/pa/westlawn/tanya-mace-700-rgtmac.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (state license, verified 2026-10-09)",
        "Branch in Pennsylvania",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tanya-mace-615769"
    },
    {
      "rank": 7,
      "score": 51,
      "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"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "PA",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.apmortgage.com/terry-finnegan"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "22 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/terry-finnegan-1268352"
    },
    {
      "rank": 8,
      "score": 50,
      "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 PA (state license, verified 2026-10-09)",
        "Branch in Pennsylvania",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/megan-brogna-485942"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 43162,
        "slug": "joseph-heisler-43162",
        "full_name": "Joseph Heisler",
        "canonical_url": "https://lendb.ai/lo/joseph-heisler-43162",
        "json_url": "https://lendb.ai/lo/joseph-heisler-43162.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "NJ",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 35,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-heisler-43162"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-heisler-43162"
    },
    {
      "rank": 10,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1382057,
        "slug": "patricia-clay-1382057",
        "full_name": "Pat Clay",
        "canonical_url": "https://lendb.ai/lo/patricia-clay-1382057",
        "json_url": "https://lendb.ai/lo/patricia-clay-1382057.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "MD",
          "NC",
          "NH",
          "PA",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 10,
        "lender_profile_url": "https://branches.guildmortgage.com/va/richmond/pat-clay-613-chpc.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/patricia-clay-1382057"
    },
    {
      "rank": 11,
      "score": 49.5,
      "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 PA (state license, verified 2026-10-09)",
        "Branch in Pennsylvania",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-byrnes-133647"
    },
    {
      "rank": 12,
      "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 PA (state license, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/earl-rose-212480"
    },
    {
      "rank": 13,
      "score": 49,
      "loan_officer": {
        "nmls_id": 139186,
        "slug": "scott-eisgrau-139186",
        "full_name": "Scott Eisgrau",
        "canonical_url": "https://lendb.ai/lo/scott-eisgrau-139186",
        "json_url": "https://lendb.ai/lo/scott-eisgrau-139186.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Owings Mills",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "MD",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/scott-eisgrau/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-eisgrau-139186"
    },
    {
      "rank": 14,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 150626,
        "slug": "kirk-ulshafer-150626",
        "full_name": "Kirk Ulshafer",
        "canonical_url": "https://lendb.ai/lo/kirk-ulshafer-150626",
        "json_url": "https://lendb.ai/lo/kirk-ulshafer-150626.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Wayne",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "DC",
          "GA",
          "IL",
          "MD",
          "MI",
          "NJ",
          "OH",
          "PA",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wayne-pa-3944/kirk-ulshafer/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (state license, verified 2026-10-09)",
        "Branch in Pennsylvania",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-ulshafer-150626"
    },
    {
      "rank": 15,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 903855,
        "slug": "keith-smith-903855",
        "full_name": "Keith Smith",
        "canonical_url": "https://lendb.ai/lo/keith-smith-903855",
        "json_url": "https://lendb.ai/lo/keith-smith-903855.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": [
          "CO",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 25,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/keith-smith"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (state license, verified 2026-10-09)",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/keith-smith-903855"
    },
    {
      "rank": 16,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 283725,
        "slug": "agostino-augie-iacono-283725",
        "full_name": "Agostino (Augie) Iacono",
        "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725",
        "json_url": "https://lendb.ai/lo/agostino-augie-iacono-283725.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Brookfield",
          "state": "WI"
        },
        "licensed_states": [
          "AZ",
          "FL",
          "IL",
          "IN",
          "KY",
          "MI",
          "MN",
          "OH",
          "OK",
          "PA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "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": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/agostino-augie-iacono"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/agostino-augie-iacono-283725"
    },
    {
      "rank": 17,
      "score": 48,
      "loan_officer": {
        "nmls_id": 202583,
        "slug": "dominick-angotti-202583",
        "full_name": "Dominick Angotti",
        "canonical_url": "https://lendb.ai/lo/dominick-angotti-202583",
        "json_url": "https://lendb.ai/lo/dominick-angotti-202583.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "NJ",
          "NY",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-3950/dominick-angotti/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dominick-angotti-202583"
    },
    {
      "rank": 18,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 900029,
        "slug": "amanda-broomall-900029",
        "full_name": "Amanda Broomall",
        "canonical_url": "https://lendb.ai/lo/amanda-broomall-900029",
        "json_url": "https://lendb.ai/lo/amanda-broomall-900029.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Middletown",
          "state": "DE"
        },
        "licensed_states": [
          "DE",
          "MD",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "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"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/de/middletown/amanda-broomall-560-rgabro.html"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (state license, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/amanda-broomall-900029"
    },
    {
      "rank": 19,
      "score": 47,
      "loan_officer": {
        "nmls_id": 139177,
        "slug": "neil-sweren-139177",
        "full_name": "Neil Sweren",
        "canonical_url": "https://lendb.ai/lo/neil-sweren-139177",
        "json_url": "https://lendb.ai/lo/neil-sweren-139177.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Owings Mills",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "CA",
          "CO",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "NJ",
          "OH",
          "PA",
          "RI",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/neil-sweren/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (state license, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/neil-sweren-139177"
    },
    {
      "rank": 20,
      "score": 46.8,
      "loan_officer": {
        "nmls_id": 450729,
        "slug": "jeffrey-zachow-450729",
        "full_name": "Jeffrey \"Zack\" Zachow",
        "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729",
        "json_url": "https://lendb.ai/lo/jeffrey-zachow-450729.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "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": 5,
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-zachow-450729"
    },
    {
      "rank": 21,
      "score": 46,
      "loan_officer": {
        "nmls_id": 600621,
        "slug": "crystal-rivera-600621",
        "full_name": "Crystal Rivera",
        "canonical_url": "https://lendb.ai/lo/crystal-rivera-600621",
        "json_url": "https://lendb.ai/lo/crystal-rivera-600621.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Tampa",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "IL",
          "MA",
          "MI",
          "NC",
          "NJ",
          "NY",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4777/crystal-rivera/"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/crystal-rivera-600621"
    },
    {
      "rank": 22,
      "score": 46,
      "loan_officer": {
        "nmls_id": 1494137,
        "slug": "james-helms-1494137",
        "full_name": "Derek Helms",
        "canonical_url": "https://lendb.ai/lo/james-helms-1494137",
        "json_url": "https://lendb.ai/lo/james-helms-1494137.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Matthews",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "MD",
          "NC",
          "OH",
          "OR",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/derek-helms-1494137"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-helms-1494137"
    },
    {
      "rank": 23,
      "score": 45,
      "loan_officer": {
        "nmls_id": 1956955,
        "slug": "james-conley-1956955",
        "full_name": "Jim Conley",
        "canonical_url": "https://lendb.ai/lo/james-conley-1956955",
        "json_url": "https://lendb.ai/lo/james-conley-1956955.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Hughesville",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DE",
          "MD",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/jim-conley-1956955"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-conley-1956955"
    },
    {
      "rank": 24,
      "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 PA (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": 25,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 1439499,
        "slug": "frank-chandler-1439499",
        "full_name": "Frank Chandler",
        "canonical_url": "https://lendb.ai/lo/frank-chandler-1439499",
        "json_url": "https://lendb.ai/lo/frank-chandler-1439499.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Foxboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "DC",
          "DE",
          "MD",
          "ME",
          "NH",
          "PA",
          "VA",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/frank-chandler-1439499"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA (state license, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/frank-chandler-1439499"
    }
  ]
}