{
  "canonical_url": "https://lendb.ai/s/usda/kansas",
  "summary": "As of 2026-10-09, LenDb lists 29 loan officers licensed in or based in Kansas whose lender pages show USDA loan work. The top-ranked are Don Waters (Fairway Independent Mortgage Corporation, Clayton), Carey Hiatt (LeaderOne Financial, Kearney) and Mary Greenwood (NFM Lending, Colorado Springs). Ranking is lender-neutral: specialty evidence first, then a license in KS, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "usda",
  "state": "KS",
  "total": 29,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 82361,
        "slug": "donald-waters-82361",
        "full_name": "Don Waters",
        "canonical_url": "https://lendb.ai/lo/donald-waters-82361",
        "json_url": "https://lendb.ai/lo/donald-waters-82361.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Clayton",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KS",
          "KY",
          "MI",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "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": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/don-waters-82361",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2015 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-waters-82361",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/don-waters-82361"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 267163,
        "slug": "carey-hiatt-267163",
        "full_name": "Carey Hiatt",
        "canonical_url": "https://lendb.ai/lo/carey-hiatt-267163",
        "json_url": "https://lendb.ai/lo/carey-hiatt-267163.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Kearney",
          "state": "MO"
        },
        "licensed_states": [
          "KS"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/carey-hiatt",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/carey-hiatt-267163",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/carey-hiatt"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 459324,
        "slug": "mary-greenwood-459324",
        "full_name": "Mary Greenwood",
        "canonical_url": "https://lendb.ai/lo/mary-greenwood-459324",
        "json_url": "https://lendb.ai/lo/mary-greenwood-459324.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "IA",
          "KS",
          "MO",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "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": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "CO"
        },
        "years_experience": 19,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/mary-greenwood/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Colorado records)",
        "States 19 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mary-greenwood-459324",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/mary-greenwood/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 289998,
        "slug": "james-finch-289998",
        "full_name": "James Finch",
        "canonical_url": "https://lendb.ai/lo/james-finch-289998",
        "json_url": "https://lendb.ai/lo/james-finch-289998.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ks/overlandpark/james-finch-616-cnjf.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Overland Park, KS",
        "KS 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/james-finch-289998",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/ks/overlandpark/james-finch-616-cnjf.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1660491,
        "slug": "john-markman-1660491",
        "full_name": "John Markman",
        "canonical_url": "https://lendb.ai/lo/john-markman-1660491",
        "json_url": "https://lendb.ai/lo/john-markman-1660491.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": [
          "AR",
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 16,
        "lender_profile_url": "https://www.fairway.com/lo/john-markman-1660491",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Overland Park, KS",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 16 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-markman-1660491",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/john-markman-1660491"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 1966607,
        "slug": "frank-lowe-1966607",
        "full_name": "Frank Lowe",
        "canonical_url": "https://lendb.ai/lo/frank-lowe-1966607",
        "json_url": "https://lendb.ai/lo/frank-lowe-1966607.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 7,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/frank-lowe",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Overland Park, KS",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 7 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/frank-lowe-1966607",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/frank-lowe"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 256481,
        "slug": "coley-rau-256481",
        "full_name": "Coley Rau",
        "canonical_url": "https://lendb.ai/lo/coley-rau-256481",
        "json_url": "https://lendb.ai/lo/coley-rau-256481.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bryan",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NJ",
          "OH",
          "SC",
          "SD",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "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": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/coley-rau-256481",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/bryan-oh-2035/coley-rau/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 626688,
        "slug": "james-igbinovia-626688",
        "full_name": "James Igbinovia",
        "canonical_url": "https://lendb.ai/lo/james-igbinovia-626688",
        "json_url": "https://lendb.ai/lo/james-igbinovia-626688.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MN",
          "MO",
          "MT",
          "ND",
          "NE",
          "NM",
          "OH",
          "OK",
          "PA",
          "SC",
          "SD",
          "TN",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "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": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4631/james-igbinovia/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS 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/james-igbinovia-626688",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/scottsdale-az-4631/james-igbinovia/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 2302283,
        "slug": "james-mcmurrey-2302283",
        "full_name": "James McMurrey",
        "canonical_url": "https://lendb.ai/lo/james-mcmurrey-2302283",
        "json_url": "https://lendb.ai/lo/james-mcmurrey-2302283.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lacey",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AK",
          "AL",
          "AZ",
          "CA",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "MN",
          "MT",
          "NC",
          "NM",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "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": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lacey-wa-4767/james-mcmurrey/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-mcmurrey-2302283",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/lacey-wa-4767/james-mcmurrey/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2547018,
        "slug": "joe-nelson-2547018",
        "full_name": "Joe Nelson",
        "canonical_url": "https://lendb.ai/lo/joe-nelson-2547018",
        "json_url": "https://lendb.ai/lo/joe-nelson-2547018.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Overland Park",
          "state": "KS"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 21,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/joe-nelson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Overland Park, KS",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-nelson-2547018",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/joe-nelson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 11,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 86949,
        "slug": "lacey-hood-86949",
        "full_name": "Lacey Hood",
        "canonical_url": "https://lendb.ai/lo/lacey-hood-86949",
        "json_url": "https://lendb.ai/lo/lacey-hood-86949.json",
        "lender": {
          "nmls_id": 1067,
          "name": "Allied Mortgage Group",
          "canonical_url": "https://lendb.ai/lender/allied-mortgage-group-1067",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "DE",
          "GA",
          "IN",
          "KS",
          "LA",
          "MD",
          "ME",
          "NC",
          "NH",
          "NJ",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "VA",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://alliedmg.com/lacey-hood",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2013 (per Colorado records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lacey-hood-86949",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://alliedmg.com/lacey-hood"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 12,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 2290099,
        "slug": "francisco-sanchez-2290099",
        "full_name": "Frank Sanchez",
        "canonical_url": "https://lendb.ai/lo/francisco-sanchez-2290099",
        "json_url": "https://lendb.ai/lo/francisco-sanchez-2290099.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Katy",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "IA",
          "KS",
          "LA",
          "OK",
          "OR",
          "SC",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/frank-sanchez",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS 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/francisco-sanchez-2290099",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/frank-sanchez"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 13,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 237004,
        "slug": "george-harsh-237004",
        "full_name": "George Harsh",
        "canonical_url": "https://lendb.ai/lo/george-harsh-237004",
        "json_url": "https://lendb.ai/lo/george-harsh-237004.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",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "OH",
          "OK",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "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": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "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": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "licensed_since": {
          "year": 2015,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-6820/george-harsh/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2015 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/george-harsh-237004",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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-6820/george-harsh/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 14,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 509649,
        "slug": "shannon-odom-509649",
        "full_name": "Shannon Odom",
        "canonical_url": "https://lendb.ai/lo/shannon-odom-509649",
        "json_url": "https://lendb.ai/lo/shannon-odom-509649.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Bangor",
          "state": "ME"
        },
        "licensed_states": [
          "FL",
          "CO",
          "DE",
          "KS",
          "MA",
          "MD",
          "ME",
          "MO",
          "NC",
          "NH",
          "SC",
          "VA",
          "VT"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "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://www.leaderonefinancial.com/mlo/shannon-odom",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS 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/shannon-odom-509649",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/shannon-odom"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 15,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 203603,
        "slug": "justin-slack-203603",
        "full_name": "Adam Slack",
        "canonical_url": "https://lendb.ai/lo/justin-slack-203603",
        "json_url": "https://lendb.ai/lo/justin-slack-203603.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Wilmington",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NJ",
          "NY",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "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": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/wilmington-nc-3933/justin-slack/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/justin-slack-203603",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/wilmington-nc-3933/justin-slack/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 16,
      "score": 45,
      "loan_officer": {
        "nmls_id": 221971,
        "slug": "shawn-durant-221971",
        "full_name": "Shawn Durant",
        "canonical_url": "https://lendb.ai/lo/shawn-durant-221971",
        "json_url": "https://lendb.ai/lo/shawn-durant-221971.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "NC",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "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": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/shawn-durant",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS 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/shawn-durant-221971",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/shawn-durant"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 17,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 1106090,
        "slug": "monica-creighton-1106090",
        "full_name": "Monica Creighton",
        "canonical_url": "https://lendb.ai/lo/monica-creighton-1106090",
        "json_url": "https://lendb.ai/lo/monica-creighton-1106090.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Scott",
          "state": "KS"
        },
        "licensed_states": [
          "AR",
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ks/fortscott/monica-creighton-920-hpacre.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Fort Scott, KS",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/monica-creighton-1106090",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/ks/fortscott/monica-creighton-920-hpacre.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 18,
      "score": 44.8,
      "loan_officer": {
        "nmls_id": 2366701,
        "slug": "sarah-everett-2366701",
        "full_name": "Sarah Everett",
        "canonical_url": "https://lendb.ai/lo/sarah-everett-2366701",
        "json_url": "https://lendb.ai/lo/sarah-everett-2366701.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lenexa",
          "state": "KS"
        },
        "licensed_states": [
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lenexa-ks-5200/sarah-everett/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Lenexa, KS",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/sarah-everett-2366701",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/lenexa-ks-5200/sarah-everett/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 19,
      "score": 43,
      "loan_officer": {
        "nmls_id": 217984,
        "slug": "kimberly-altier-217984",
        "full_name": "Kimberly Altier",
        "canonical_url": "https://lendb.ai/lo/kimberly-altier-217984",
        "json_url": "https://lendb.ai/lo/kimberly-altier-217984.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Tulsa",
          "state": "OK"
        },
        "licensed_states": [
          "AR",
          "KS",
          "KY",
          "MO",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/kimberly-altier",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/kimberly-altier-217984",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/kimberly-altier"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 20,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 2086937,
        "slug": "ammon-dorsey-2086937",
        "full_name": "Ammon Dorsey",
        "canonical_url": "https://lendb.ai/lo/ammon-dorsey-2086937",
        "json_url": "https://lendb.ai/lo/ammon-dorsey-2086937.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Liberty",
          "state": "MO"
        },
        "licensed_states": [
          "FL",
          "KS",
          "MO",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "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": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/liberty/ammon-dorsey-180-cnado.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS 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/ammon-dorsey-2086937",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/mo/liberty/ammon-dorsey-180-cnado.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 21,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 563900,
        "slug": "corin-vandenberg-563900",
        "full_name": "Corey Vandenberg",
        "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900",
        "json_url": "https://lendb.ai/lo/corin-vandenberg-563900.json",
        "lender": {
          "nmls_id": 130562,
          "name": "Success Mortgage Partners",
          "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562",
          "type": "imb"
        },
        "branch": {
          "city": "Grand Rapids",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "OH",
          "TX"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "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": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.successmortgagepartners.com/advisor/corey-vandenberg/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/corin-vandenberg-563900",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.successmortgagepartners.com/advisor/corey-vandenberg/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 22,
      "score": 42,
      "loan_officer": {
        "nmls_id": 200175,
        "slug": "court-crofoot-200175",
        "full_name": "Court Crofoot",
        "canonical_url": "https://lendb.ai/lo/court-crofoot-200175",
        "json_url": "https://lendb.ai/lo/court-crofoot-200175.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "IL",
          "KS",
          "MO",
          "NC",
          "TX",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "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": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-3641/courtney-crofoot/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS 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/court-crofoot-200175",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/scottsdale-az-3641/courtney-crofoot/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 23,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 407495,
        "slug": "sherry-burnett-407495",
        "full_name": "Sherry Burnett",
        "canonical_url": "https://lendb.ai/lo/sherry-burnett-407495",
        "json_url": "https://lendb.ai/lo/sherry-burnett-407495.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Springfield",
          "state": "MO"
        },
        "licensed_states": [
          "AR",
          "KS",
          "MO"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/springfield/sherry-burnett-906-chsbu.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/sherry-burnett-407495",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/mo/springfield/sherry-burnett-906-chsbu.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 24,
      "score": 41.5,
      "loan_officer": {
        "nmls_id": 1471916,
        "slug": "christina-thluai-1471916",
        "full_name": "Christina Thluai",
        "canonical_url": "https://lendb.ai/lo/christina-thluai-1471916",
        "json_url": "https://lendb.ai/lo/christina-thluai-1471916.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Indianapolis",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "MO",
          "NC",
          "NY",
          "OH",
          "OK",
          "TN",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "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": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/indianapolis-in-4299/christina-thluai/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/christina-thluai-1471916",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/indianapolis-in-4299/christina-thluai/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 25,
      "score": 40.8,
      "loan_officer": {
        "nmls_id": 1934853,
        "slug": "diana-flynn-1934853",
        "full_name": "Diana Flynn",
        "canonical_url": "https://lendb.ai/lo/diana-flynn-1934853",
        "json_url": "https://lendb.ai/lo/diana-flynn-1934853.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MA",
          "MN",
          "MO",
          "NC",
          "NJ",
          "NV",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "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": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/diana-flynn/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "KS listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/diana-flynn-1934853",
      "license_check": {
        "state": "KS",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "KS 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/diana-flynn/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    }
  ]
}