{ "canonical_url": "https://lendb.ai/s/self-employed/florida", "summary": "As of 2026-10-09, LenDb lists 81 loan officers licensed in or based in Florida whose lender pages show Self-employed work. The top-ranked are Kirk Taylor (CrossCountry Mortgage, Naples), Luis De La Cruz Munoz (CrossCountry Mortgage, Delray Beach) and Wayne Demaline (CrossCountry Mortgage, Delray Beach). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "self-employed", "state": "FL", "total": 81, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 60.8, "loan_officer": { "nmls_id": 312131, "slug": "kirk-taylor-312131", "full_name": "Kirk Taylor", "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131", "json_url": "https://lendb.ai/lo/kirk-taylor-312131.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "IL", "IN", "MA", "MI", "NV", "OK", "TN", "TX", "VA", "WA", "WI" ], "languages": [], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 12, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "12 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131" }, { "rank": 2, "score": 59.3, "loan_officer": { "nmls_id": 1575578, "slug": "luis-de-la-cruz-munoz-1575578", "full_name": "Luis De La Cruz Munoz", "canonical_url": "https://lendb.ai/lo/luis-de-la-cruz-munoz-1575578", "json_url": "https://lendb.ai/lo/luis-de-la-cruz-munoz-1575578.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL" ], "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3754/luis-de-la-cruz-munoz/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "9 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/luis-de-la-cruz-munoz-1575578" }, { "rank": 3, "score": 58.8, "loan_officer": { "nmls_id": 323192, "slug": "wayne-demaline-323192", "full_name": "Wayne Demaline", "canonical_url": "https://lendb.ai/lo/wayne-demaline-323192", "json_url": "https://lendb.ai/lo/wayne-demaline-323192.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL" ], "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 8, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-3726/wayne-demaline/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "8 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/wayne-demaline-323192" }, { "rank": 4, "score": 58.3, "loan_officer": { "nmls_id": 369430, "slug": "daniel-longman-369430", "full_name": "Dan Longman", "canonical_url": "https://lendb.ai/lo/daniel-longman-369430", "json_url": "https://lendb.ai/lo/daniel-longman-369430.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Plantation", "state": "FL" }, "licensed_states": [ "FL", "GA", "NC", "OH", "SC", "TN", "TX" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": 28, "lender_profile_url": "https://nfmlending.com/loanoriginator/dan-longman/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/daniel-longman-369430" }, { "rank": 5, "score": 58.3, "loan_officer": { "nmls_id": 369494, "slug": "robin-stacey-369494", "full_name": "Robin Stacey", "canonical_url": "https://lendb.ai/lo/robin-stacey-369494", "json_url": "https://lendb.ai/lo/robin-stacey-369494.json", "lender": { "nmls_id": 130562, "name": "Success Mortgage Partners", "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562", "type": "imb" }, "branch": { "city": "Orlando", "state": "FL" }, "licensed_states": [ "FL" ], "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": 12, "lender_profile_url": "https://www.successmortgagepartners.com/advisor/robin-stacey/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/robin-stacey-369494" }, { "rank": 6, "score": 57.3, "loan_officer": { "nmls_id": 175852, "slug": "eric-gasper-175852", "full_name": "Eric Gasper", "canonical_url": "https://lendb.ai/lo/eric-gasper-175852", "json_url": "https://lendb.ai/lo/eric-gasper-175852.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Mineola", "state": "NY" }, "licensed_states": [ "FL", "CO", "CA", "CT", "DC", "DE", "IL", "MA", "ME", "MI", "NH", "NJ", "NY", "OH", "OR", "PA", "TX", "VA" ], "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/eric-gasper-175852" }, { "rank": 7, "score": 57.3, "loan_officer": { "nmls_id": 689931, "slug": "joni-utnage-689931", "full_name": "Joni Utnage", "canonical_url": "https://lendb.ai/lo/joni-utnage-689931", "json_url": "https://lendb.ai/lo/joni-utnage-689931.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "IL" ], "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/joni-utnage/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "5 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/joni-utnage-689931" }, { "rank": 8, "score": 56.8, "loan_officer": { "nmls_id": 481139, "slug": "joseph-smith-481139", "full_name": "Joe Smith", "canonical_url": "https://lendb.ai/lo/joseph-smith-481139", "json_url": "https://lendb.ai/lo/joseph-smith-481139.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Boston", "state": "MA" }, "licensed_states": [ "FL", "CA", "CT", "MA", "ME", "NH", "RI", "VT" ], "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 14, "years_experience": 30, "lender_profile_url": "https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "14 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/joseph-smith-481139" }, { "rank": 9, "score": 56, "loan_officer": { "nmls_id": 267908, "slug": "moises-alvarez-267908", "full_name": "Moises Alvarez", "canonical_url": "https://lendb.ai/lo/moises-alvarez-267908", "json_url": "https://lendb.ai/lo/moises-alvarez-267908.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL" ], "languages": [ "es" ], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 10, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/florida/tampa/moises-alvarez" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "10 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/moises-alvarez-267908" }, { "rank": 10, "score": 56, "loan_officer": { "nmls_id": 1604375, "slug": "elalie-regis-1604375", "full_name": "Elalie Regis", "canonical_url": "https://lendb.ai/lo/elalie-regis-1604375", "json_url": "https://lendb.ai/lo/elalie-regis-1604375.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Boca Raton", "state": "FL" }, "licensed_states": [ "FL" ], "languages": [ "ht" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 6, "years_experience": null, "lender_profile_url": "https://www.fairway.com/lo/elalie-regis-1604375" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "6 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/elalie-regis-1604375" }, { "rank": 11, "score": 55, "loan_officer": { "nmls_id": 1616752, "slug": "terri-hatfield-dull-1616752", "full_name": "Terri Hatfield Dull", "canonical_url": "https://lendb.ai/lo/terri-hatfield-dull-1616752", "json_url": "https://lendb.ai/lo/terri-hatfield-dull-1616752.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Winter Park", "state": "FL" }, "licensed_states": [ "FL" ], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 9, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/winter-park-fl-5331/terri-hatfield-dull/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "9 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/terri-hatfield-dull-1616752" }, { "rank": 12, "score": 54.8, "loan_officer": { "nmls_id": 546581, "slug": "david-simmons-546581", "full_name": "David Simmons", "canonical_url": "https://lendb.ai/lo/david-simmons-546581", "json_url": "https://lendb.ai/lo/david-simmons-546581.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fort Walton Beach", "state": "FL" }, "licensed_states": [ "FL", "AL", "GA" ], "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 0, "years_experience": 27, "lender_profile_url": "https://crosscountrymortgage.com/fort-walton-beach-fl-5300/david-simmons/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "0 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/david-simmons-546581" }, { "rank": 13, "score": 54.8, "loan_officer": { "nmls_id": 1833458, "slug": "ryan-ashford-1833458", "full_name": "Ryan Ashford", "canonical_url": "https://lendb.ai/lo/ryan-ashford-1833458", "json_url": "https://lendb.ai/lo/ryan-ashford-1833458.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Winter Park", "state": "FL" }, "licensed_states": [ "FL", "AR", "CA", "MO", "OH" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 0, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/winter-park-fl-4334/ryan-ashford/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "0 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/ryan-ashford-1833458" }, { "rank": 14, "score": 54, "loan_officer": { "nmls_id": 380111, "slug": "christopher-sommer-380111", "full_name": "Christopher Sommer", "canonical_url": "https://lendb.ai/lo/christopher-sommer-380111", "json_url": "https://lendb.ai/lo/christopher-sommer-380111.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Riverview", "state": "FL" }, "licensed_states": [ "FL" ], "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/fl/riverview/10391-big-bend-rd-hla-380111" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "Branch in Florida", "15 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/christopher-sommer-380111" }, { "rank": 15, "score": 53.8, "loan_officer": { "nmls_id": 394619, "slug": "sonya-valia-394619", "full_name": "Russ Laing", "canonical_url": "https://lendb.ai/lo/sonya-valia-394619", "json_url": "https://lendb.ai/lo/sonya-valia-394619.json", "lender": { "nmls_id": 2297, "name": "Network Funding", "canonical_url": "https://lendb.ai/lender/network-funding-2297", "type": "imb" }, "branch": { "city": "Austin", "state": "TX" }, "licensed_states": [ "TX", "AZ", "CO", "FL", "GA", "TN", "WA" ], "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 24, "lender_profile_url": "https://www.vistaaustin.com/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (listed on lender page, verified 2026-10-09)", "24 years experience (stated on lender page, 2026-10-09)", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/sonya-valia-394619" }, { "rank": 16, "score": 53.8, "loan_officer": { "nmls_id": 659461, "slug": "elizabeth-mcelroy-659461", "full_name": "Liz McElroy- Filan", "canonical_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461", "json_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "licensed_states": [ "FL", "DC", "MD", "VA" ], "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 12, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/fairfax-va-3667/elizabeth-mcelroy/" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (state license, verified 2026-10-09)", "12 years licensed", "No disciplinary actions on file at LenDb" ], "canonical_url": "https://lendb.ai/lo/elizabeth-mcelroy-659461" }, { "rank": 17, "score": 53.8, "loan_officer": { "nmls_id": 763752, "slug": "jevon-robertson-763752", "full_name": "Jevon Robertson", "canonical_url": "https://lendb.ai/lo/jevon-robertson-763752", "json_url": "https://lendb.ai/lo/jevon-robertson-763752.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Oak Brook", "state": "IL" }, "licensed_states": [ "FL", "KS", "MA", "ME", "NH", "SC", "VT" ], "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "years_experience": 30, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/jevon-robertson" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Licensed in FL (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/jevon-robertson-763752" }, { "rank": 18, "score": 53.5, "loan_officer": { "nmls_id": 202420, "slug": "tiffany-lewis-202420", "full_name": "Tiffany L Lewis", "canonical_url": "https://lendb.ai/lo/tiffany-lewis-202420", "json_url": "https://lendb.ai/lo/tiffany-lewis-202420.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase 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