{
  "canonical_url": "https://lendb.ai/s/rural/tennessee",
  "summary": "As of 2026-10-09, LenDb lists 2 loan officers licensed in or based in Tennessee whose lender pages show Rural property work. The top-ranked are Joseph Geffert (Loan Factory) and Ed Buck (American Pacific Mortgage, Port Charlotte). Ranking is lender-neutral: specialty evidence first, then a license in TN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "rural",
  "state": "TN",
  "total": 2,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 56.8,
      "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)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "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": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN 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/joseph-geffert-186479"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 52.5,
      "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)",
        "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2011 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/edward-buck-224126",
      "license_check": {
        "state": "TN",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TN listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/ed-buck"
      },
      "match_status": "exact",
      "matched_specialties": [
        "rural"
      ],
      "unconfirmed_specialties": []
    }
  ]
}