{
  "canonical_url": "https://lendb.ai/s/rural/florida",
  "summary": "As of 2026-10-10, LenDb lists 6 loan officers licensed in or based in Florida whose lender pages show Rural property work. The top-ranked are Brian Reeve (Neighborhood Loans), Joseph Geffert (Loan Factory) and Ed Buck (American Pacific Mortgage, Port Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "rural",
  "state": "FL",
  "total": 6,
  "last_verified": "2026-10-10",
  "results": [
    {
      "rank": 1,
      "score": 60,
      "loan_officer": {
        "nmls_id": 694300,
        "slug": "brian-reeve-694300",
        "full_name": "Brian Reeve",
        "canonical_url": "https://lendb.ai/lo/brian-reeve-694300",
        "json_url": "https://lendb.ai/lo/brian-reeve-694300.json",
        "lender": {
          "nmls_id": 222982,
          "name": "Neighborhood Loans",
          "canonical_url": "https://lendb.ai/lender/neighborhood-loans-222982",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 28,
        "lender_profile_url": "https://neighborhoodloans.com/breeve/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-10)",
        "Licensed in FL: confirmed with the Florida regulator (license LO104951), verified 2026-10-09",
        "Licensed since 2022 (per Florida records)",
        "States 28 years of experience (lender page, 2026-10-10)"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-reeve-694300",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO104951), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 186479,
        "slug": "joseph-geffert-186479",
        "full_name": "Joseph Geffert",
        "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479",
        "json_url": "https://lendb.ai/lo/joseph-geffert-186479.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "KY"
        },
        "licensed_states": [
          "FL",
          "PA",
          "AR",
          "IN",
          "KY",
          "MI",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO130319), verified 2026-10-09",
        "Licensed since 2024 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO130319), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 58.5,
      "loan_officer": {
        "nmls_id": 224126,
        "slug": "edward-buck-224126",
        "full_name": "Ed Buck",
        "canonical_url": "https://lendb.ai/lo/edward-buck-224126",
        "json_url": "https://lendb.ai/lo/edward-buck-224126.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Port Charlotte",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "TN"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "licensed_since": {
          "year": 2011,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/ed-buck",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Office in Port Charlotte, FL",
        "Licensed in FL: confirmed with the Florida regulator (license LO1517), verified 2026-10-09",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/edward-buck-224126",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO1517), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 279865,
        "slug": "kevin-o-connell-279865",
        "full_name": "Kevin O'Connell",
        "canonical_url": "https://lendb.ai/lo/kevin-o-connell-279865",
        "json_url": "https://lendb.ai/lo/kevin-o-connell-279865.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Washington",
          "state": "MO"
        },
        "licensed_states": [
          "FL",
          "IL",
          "MO"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/washington/kevin-oconnell-604-cnkoc.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO96625), verified 2026-10-09",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-o-connell-279865",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO96625), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 1923568,
        "slug": "ross-mcghie-1923568",
        "full_name": "Ross McGhie",
        "canonical_url": "https://lendb.ai/lo/ross-mcghie-1923568",
        "json_url": "https://lendb.ai/lo/ross-mcghie-1923568.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ross-mcghie-1923568",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "Licensed in FL: confirmed with the Florida regulator (license LO66333), verified 2026-10-09",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/ross-mcghie-1923568",
      "license_check": {
        "state": "FL",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in FL: confirmed with the Florida regulator (license LO66333), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 2685264,
        "slug": "cyntia-erickson-2685264",
        "full_name": "Cyntia Erickson",
        "canonical_url": "https://lendb.ai/lo/cyntia-erickson-2685264",
        "json_url": "https://lendb.ai/lo/cyntia-erickson-2685264.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "GA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/cyntia-erickson-2685264",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Rural property on lender page (lender page, verified 2026-10-09)",
        "FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/cyntia-erickson-2685264",
      "license_check": {
        "state": "FL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "FL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/cyntia-erickson-2685264"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    }
  ]
}