{
  "canonical_url": "https://lendb.ai/s/self-employed/texas",
  "summary": "As of 2026-10-09, LenDb lists 138 loan officers licensed in or based in Texas whose lender pages show Self-employed work. The top-ranked are Gus Dahlgren (Union Home Mortgage, East Lansing), Joe Soto (CrossCountry Mortgage, Cypress) and Brian Sewell (Guild Mortgage, Frankfort). Ranking is lender-neutral: specialty evidence first, then a license in TX, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "self-employed",
  "state": "TX",
  "total": 138,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 80625,
        "slug": "gus-dahlgren-80625",
        "full_name": "Gus Dahlgren",
        "canonical_url": "https://lendb.ai/lo/gus-dahlgren-80625",
        "json_url": "https://lendb.ai/lo/gus-dahlgren-80625.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "East Lansing",
          "state": "MI"
        },
        "licensed_states": [
          "MI",
          "TX"
        ],
        "licenses": [
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.uhm.com/loan-officers/gus-dahlgren/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gus-dahlgren-80625",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/gus-dahlgren/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 175142,
        "slug": "joe-soto-175142",
        "full_name": "Joe Soto",
        "canonical_url": "https://lendb.ai/lo/joe-soto-175142",
        "json_url": "https://lendb.ai/lo/joe-soto-175142.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cypress",
          "state": "CA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "GA",
          "HI",
          "ID",
          "NC",
          "NV",
          "OR",
          "RI",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-soto-175142",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 212085,
        "slug": "brian-sewell-212085",
        "full_name": "Brian Sewell",
        "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
        "json_url": "https://lendb.ai/lo/brian-sewell-212085.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Frankfort",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "1099-income",
            "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": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/brian-sewell-212085",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/il/frankfort/brian-sewell-914-chbse.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "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"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "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,
        "licensed_since": {
          "year": 2014,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2014 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 358059,
        "slug": "charity-maupin-358059",
        "full_name": "Charity Maupin",
        "canonical_url": "https://lendb.ai/lo/charity-maupin-358059",
        "json_url": "https://lendb.ai/lo/charity-maupin-358059.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Henderson",
          "state": "NV"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "NV",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "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": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/henderson-nv-2246/charity-maupin/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/charity-maupin-358059",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/henderson-nv-2246/charity-maupin/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 491678,
        "slug": "jose-magallanes-491678",
        "full_name": "Joe Magallanes",
        "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
        "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IL",
          "KY",
          "MA",
          "MD",
          "MI",
          "NC",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 58.5,
      "loan_officer": {
        "nmls_id": 1399453,
        "slug": "sheilla-lavadia-1399453",
        "full_name": "Sheilla Lavadia",
        "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
        "json_url": "https://lendb.ai/lo/sheilla-lavadia-1399453.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",
          "AZ",
          "CA",
          "HI",
          "ID",
          "KS",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "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": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/sheilla-lavadia-1399453"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 103147,
        "slug": "larry-vindman-103147",
        "full_name": "Larry Vindman",
        "canonical_url": "https://lendb.ai/lo/larry-vindman-103147",
        "json_url": "https://lendb.ai/lo/larry-vindman-103147.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Union",
          "state": "NJ"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IL",
          "NJ",
          "PA",
          "SC",
          "TX"
        ],
        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 17,
        "lender_profile_url": "https://crosscountrymortgage.com/union-nj-3447/larry-vindman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 17 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/larry-vindman-103147",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/union-nj-3447/larry-vindman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 57.8,
      "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"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 16,
        "licensed_since": {
          "year": 2010,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2010 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-gasper-175852",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/mineola-ny-4750/eric-gasper/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 997560,
        "slug": "tracey-radinovic-997560",
        "full_name": "Tracey Radinovic",
        "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
        "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CA",
          "IL",
          "IN",
          "KS",
          "MO",
          "NJ",
          "NV",
          "OK",
          "SC",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 14,
        "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.fairway.com/lo/tracey-radinovic-997560"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 11,
      "score": 55.8,
      "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"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "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": 16,
        "licensed_since": {
          "year": 2010,
          "state": "FL"
        },
        "years_experience": 28,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/dan-longman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2010 (per Florida records)",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-longman-369430",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://nfmlending.com/loanoriginator/dan-longman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 12,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 373470,
        "slug": "catherine-sabater-373470",
        "full_name": "Cathy Sabater",
        "canonical_url": "https://lendb.ai/lo/catherine-sabater-373470",
        "json_url": "https://lendb.ai/lo/catherine-sabater-373470.json",
        "lender": {
          "nmls_id": 1839243,
          "name": "Empire Home Loans",
          "canonical_url": "https://lendb.ai/lender/empire-home-loans-1839243",
          "type": "broker"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "NV",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.empirehomeloans.com/team/cathys",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/catherine-sabater-373470",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.empirehomeloans.com/team/cathys"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 13,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 185192,
        "slug": "hong-luu-185192",
        "full_name": "Bobby Luu",
        "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
        "json_url": "https://lendb.ai/lo/hong-luu-185192.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Reston",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "NE",
          "NJ",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "vi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/bobby-luu",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/hong-luu-185192",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/bobby-luu"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 14,
      "score": 55,
      "loan_officer": {
        "nmls_id": 722537,
        "slug": "antonio-gutierrez-722537",
        "full_name": "Antonio Gutierrez",
        "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
        "json_url": "https://lendb.ai/lo/antonio-gutierrez-722537.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "TX"
        },
        "licensed_states": [
          "TX"
        ],
        "licenses": [
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "es"
        ],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/antonio-gutierrez-722537",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Texas",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/antonio-gutierrez-722537",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/antonio-gutierrez-722537"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 15,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 210164,
        "slug": "heath-barnes-210164",
        "full_name": "Heath Barnes",
        "canonical_url": "https://lendb.ai/lo/heath-barnes-210164",
        "json_url": "https://lendb.ai/lo/heath-barnes-210164.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "GA",
          "IN",
          "MN",
          "NM",
          "SC",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Houston, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/heath-barnes-210164",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/tx/houston/heath-barnes-15-aphba.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 16,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 995551,
        "slug": "steven-crossman-995551",
        "full_name": "Steve Crossman",
        "canonical_url": "https://lendb.ai/lo/steven-crossman-995551",
        "json_url": "https://lendb.ai/lo/steven-crossman-995551.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "McKinney",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "foreign-national",
            "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": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in McKinney, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-crossman-995551",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/mckinney-tx-5254/steven-crossman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 17,
      "score": 54.5,
      "loan_officer": {
        "nmls_id": 21639,
        "slug": "matthew-devadan-21639",
        "full_name": "Matthew S. Devadan, MBA",
        "canonical_url": "https://lendb.ai/lo/matthew-devadan-21639",
        "json_url": "https://lendb.ai/lo/matthew-devadan-21639.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Westerville",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "MI",
          "NJ",
          "OH",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/matthew-devadan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-devadan-21639",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.atlanticcoastmortgage.com/lo/matthew-devadan/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 18,
      "score": 54,
      "loan_officer": {
        "nmls_id": 281092,
        "slug": "tony-dinh-281092",
        "full_name": "Tony Dinh",
        "canonical_url": "https://lendb.ai/lo/tony-dinh-281092",
        "json_url": "https://lendb.ai/lo/tony-dinh-281092.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "CO",
          "TX"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "vi"
        ],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 20,
        "licensed_since": {
          "year": 2006,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/tony-dinh-281092",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Houston, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2006 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/tony-dinh-281092",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX 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/tony-dinh-281092"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 19,
      "score": 54,
      "loan_officer": {
        "nmls_id": 1680348,
        "slug": "james-hair-1680348",
        "full_name": "James Hair",
        "canonical_url": "https://lendb.ai/lo/james-hair-1680348",
        "json_url": "https://lendb.ai/lo/james-hair-1680348.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Houston",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AR",
          "AZ",
          "CA",
          "LA",
          "MI",
          "MO",
          "MS",
          "NC",
          "TN",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-5245/james-hair/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Houston, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-hair-1680348",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/houston-tx-5245/james-hair/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 20,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1783114,
        "slug": "charles-toll-1783114",
        "full_name": "Charles Toll",
        "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
        "json_url": "https://lendb.ai/lo/charles-toll-1783114.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Juan Capistrano",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "CA",
          "GA",
          "HI",
          "IL",
          "IN",
          "MT",
          "NM",
          "NV",
          "OR",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/charles-toll-1783114",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-5234/charles-toll/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 21,
      "score": 53,
      "loan_officer": {
        "nmls_id": 864807,
        "slug": "eric-schaffer-864807",
        "full_name": "Eric Schaffer",
        "canonical_url": "https://lendb.ai/lo/eric-schaffer-864807",
        "json_url": "https://lendb.ai/lo/eric-schaffer-864807.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/tx/dallas/6310-e-mockingbird-ln-hla-864807",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Dallas, TX",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-schaffer-864807",
      "license_check": {
        "state": "TX",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 22,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 184325,
        "slug": "jonathan-tuttle-184325",
        "full_name": "Andy Tuttle",
        "canonical_url": "https://lendb.ai/lo/jonathan-tuttle-184325",
        "json_url": "https://lendb.ai/lo/jonathan-tuttle-184325.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CA",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3378/jonathan-tuttle/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "Office in Dallas, TX",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-tuttle-184325",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/dallas-tx-3378/jonathan-tuttle/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 23,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 1851495,
        "slug": "jeffrey-adams-1851495",
        "full_name": "Jeff Adams",
        "canonical_url": "https://lendb.ai/lo/jeffrey-adams-1851495",
        "json_url": "https://lendb.ai/lo/jeffrey-adams-1851495.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cincinnati",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/jeffrey-adams/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-adams-1851495",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/cincinnati-oh-2118/jeffrey-adams/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 24,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 148704,
        "slug": "vincente-stasolla-148704",
        "full_name": "Vince Stasolla",
        "canonical_url": "https://lendb.ai/lo/vincente-stasolla-148704",
        "json_url": "https://lendb.ai/lo/vincente-stasolla-148704.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Pittsburgh",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "DC",
          "DE",
          "GA",
          "LA",
          "MA",
          "MD",
          "MT",
          "NC",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WV",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/pittsburgh-pa-2578/vincente-stasolla/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/vincente-stasolla-148704",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/pittsburgh-pa-2578/vincente-stasolla/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 25,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 404843,
        "slug": "staci-cotter-404843",
        "full_name": "Staci Cotter",
        "canonical_url": "https://lendb.ai/lo/staci-cotter-404843",
        "json_url": "https://lendb.ai/lo/staci-cotter-404843.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "CA",
          "KS",
          "MO",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/scotter",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Self-employed on lender page (lender page, verified 2026-10-09)",
        "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/staci-cotter-404843",
      "license_check": {
        "state": "TX",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "TX listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.barrettfinancial.com/scotter"
      },
      "match_status": "exact",
      "matched_specialties": [
        "self-employed"
      ],
      "unconfirmed_specialties": []
    }
  ]
}