{ "canonical_url": "https://lendb.ai/s/usda/kentucky", "summary": "As of 2026-10-10, LenDb lists 26 loan officers licensed in or based in Kentucky whose lender pages show USDA loan work. The top-ranked are Joseph Geffert (Loan Factory), Don Waters (Fairway Independent Mortgage Corporation, Clayton) and Cori Drudge (Ruoff Mortgage, Fishers). Ranking is lender-neutral: specialty evidence first, then a license in KY, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "usda", "state": "KY", "total": 26, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 61.8, "loan_officer": { "nmls_id": 186479, "slug": "joseph-geffert-186479", "full_name": "Joseph Geffert", "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479", "json_url": "https://lendb.ai/lo/joseph-geffert-186479.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "KY" }, "licensed_states": [ "FL", "PA", "AR", "IN", "KY", "MI", "TN", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "rural", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "Office in Kentucky", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joseph-geffert-186479", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/joseph-geffert-186479" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 2, "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": "confirmed" }, { "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)", "KY 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": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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": 3, "score": 59.3, "loan_officer": { "nmls_id": 229643, "slug": "cori-drudge-229643", "full_name": "Cori Drudge", "canonical_url": "https://lendb.ai/lo/cori-drudge-229643", "json_url": "https://lendb.ai/lo/cori-drudge-229643.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": "Fishers", "state": "IN" }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 27, "lender_profile_url": "https://www.ruoff.com/CoriDrudge", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 27 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cori-drudge-229643", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/CoriDrudge" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 58.8, "loan_officer": { "nmls_id": 64124, "slug": "timothy-summers-64124", "full_name": "Tim Summers", "canonical_url": "https://lendb.ai/lo/timothy-summers-64124", "json_url": "https://lendb.ai/lo/timothy-summers-64124.json", "lender": { "nmls_id": 1124061, "name": "Lower", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Franklin", "state": "KY" }, "licensed_states": [ "FL", "AL", "GA", "KY", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "TN", "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": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.lower.com/loan-officers/kentucky/franklin/tim-summers", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-10)", "Office in Franklin, KY", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 30 years of experience (lender page, 2026-10-10)" ], "canonical_url": "https://lendb.ai/lo/timothy-summers-64124", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/kentucky/franklin/tim-summers" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 58.3, "loan_officer": { "nmls_id": 166402, "slug": "michael-soliday-166402", "full_name": "Nathan Soliday", "canonical_url": "https://lendb.ai/lo/michael-soliday-166402", "json_url": "https://lendb.ai/lo/michael-soliday-166402.json", "lender": { "nmls_id": 130562, "name": "Success Mortgage Partners", "canonical_url": "https://lendb.ai/lender/success-mortgage-partners-130562", "type": "imb" }, "branch": { "city": "Sellersburg", "state": "IN" }, "licensed_states": [ "IN", "KY", "TN" ], "licenses": [ { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.successmortgagepartners.com/advisor/nathan-soliday/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-soliday-166402", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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/nathan-soliday/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 57.8, "loan_officer": { "nmls_id": 460970, "slug": "samantha-bayless-460970", "full_name": "Samantha Bayless", "canonical_url": "https://lendb.ai/lo/samantha-bayless-460970", "json_url": "https://lendb.ai/lo/samantha-bayless-460970.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "IL", "IN", "KY" ], "licenses": [ { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 19, "lender_profile_url": "https://www.ruoff.com/SamanthaBayless", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/samantha-bayless-460970", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.ruoff.com/SamanthaBayless" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 54.8, "loan_officer": { "nmls_id": 1473179, "slug": "alexis-varga-1473179", "full_name": "Alexis Varga", "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "json_url": "https://lendb.ai/lo/alexis-varga-1473179.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "CA", "CO", "GA", "IL", "IN", "KY", "MI", "OH", "OR", "PA", "TN" ], "licenses": [ { "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": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "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" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "CO" }, "years_experience": 10, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3051/alexis-varga/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Colorado records)", "States 10 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexis-varga-1473179", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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/chicago-il-3051/alexis-varga/" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 8, "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)", "KY 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": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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": 9, "score": 51.8, "loan_officer": { "nmls_id": 258898, "slug": "daniel-larkin-258898", "full_name": "Dan Larkin", "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "json_url": "https://lendb.ai/lo/daniel-larkin-258898.json", "lender": { "nmls_id": 12007, "name": "LeaderOne Financial", "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007", "type": "imb" }, "branch": { "city": "Oak Brook", "state": "IL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "IA", "IL", "IN", "KS", "KY", "MD", "MI", "MN", "MO", "NC", "SC", "TN", "TX", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "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": "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": "SC", "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": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "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": "reverse", "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": 25, "lender_profile_url": "https://www.leaderonefinancial.com/mlo/dan-larkin", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2017 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-larkin-258898", "license_check": { "state": "KY", "confidence": "lender_reported", "eligible": true, "label": "KY 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/dan-larkin" }, "match_status": "exact", "matched_specialties": [ "usda" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51.8, "loan_officer": { "nmls_id": 415830, "slug": "william-riley-415830", "full_name": "Bill Riley", "canonical_url": "https://lendb.ai/lo/william-riley-415830", "json_url": "https://lendb.ai/lo/william-riley-415830.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Springfield", "state": "OH" }, "licensed_states": [ "FL", "IN", "KY", "OH" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "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": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 26, "lender_profile_url": "https://crosscountrymortgage.com/springfield-oh-2127/william-riley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists USDA loan on lender page (lender page, verified 2026-10-09)", "KY listed on their lender page (not yet checked with the state regulator; 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