{
  "canonical_url": "https://lendb.ai/s/usda/missouri",
  "summary": "As of 2026-10-09, LenDb lists 59 loan officers licensed in or based in Missouri whose lender pages show USDA loan work. The top-ranked are Jim Beck (Guild Mortgage, Chesterfield), Norma Queiroga (Guild Mortgage, Chesterfield) and James Finch (Guild Mortgage, Overland Park). Ranking is lender-neutral: specialty evidence first, then a license in MO, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "usda",
  "state": "MO",
  "total": 59,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 449509,
        "slug": "jim-beck-449509",
        "full_name": "Jim Beck",
        "canonical_url": "https://lendb.ai/lo/jim-beck-449509",
        "json_url": "https://lendb.ai/lo/jim-beck-449509.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chesterfield",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/jim-beck-558-cnjbe.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jim-beck-449509"
    },
    {
      "rank": 2,
      "score": 55,
      "loan_officer": {
        "nmls_id": 712709,
        "slug": "norma-queiroga-712709",
        "full_name": "Norma Queiroga",
        "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709",
        "json_url": "https://lendb.ai/lo/norma-queiroga-712709.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chesterfield",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "languages": [
          "es",
          "pt"
        ],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/norma-queiroga-714-cnnwe.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "15 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/norma-queiroga-712709"
    },
    {
      "rank": 3,
      "score": 53.8,
      "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"
        ],
        "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,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ks/overlandpark/james-finch-616-cnjf.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-finch-289998"
    },
    {
      "rank": 4,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 193246,
        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
        "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-holmes/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246"
    },
    {
      "rank": 5,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 279865,
        "slug": "kevin-o-connell-279865",
        "full_name": "Kevin O'Connell",
        "canonical_url": "https://lendb.ai/lo/kevin-o-connell-279865",
        "json_url": "https://lendb.ai/lo/kevin-o-connell-279865.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Washington",
          "state": "MO"
        },
        "licensed_states": [
          "FL",
          "IL",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/washington/kevin-oconnell-604-cnkoc.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-o-connell-279865"
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1679848,
        "slug": "alex-meininger-1679848",
        "full_name": "Jason Meininger",
        "canonical_url": "https://lendb.ai/lo/alex-meininger-1679848",
        "json_url": "https://lendb.ai/lo/alex-meininger-1679848.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Hannibal",
          "state": "MO"
        },
        "licensed_states": [
          "FL",
          "CA",
          "IA",
          "IL",
          "MO",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "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,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/hannibal/jason-meininger-105-cnjmei.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/alex-meininger-1679848"
    },
    {
      "rank": 7,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 210381,
        "slug": "craig-cusick-210381",
        "full_name": "Craig Cusick",
        "canonical_url": "https://lendb.ai/lo/craig-cusick-210381",
        "json_url": "https://lendb.ai/lo/craig-cusick-210381.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "CO",
          "IN",
          "MO",
          "OH",
          "OR",
          "TN"
        ],
        "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": 5,
        "years_experience": 17,
        "lender_profile_url": "https://www.fairway.com/lo/craig-cusick-210381"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/craig-cusick-210381"
    },
    {
      "rank": 8,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 230727,
        "slug": "catherine-mary-hines-230727",
        "full_name": "Catherine Mary Hines",
        "canonical_url": "https://lendb.ai/lo/catherine-mary-hines-230727",
        "json_url": "https://lendb.ai/lo/catherine-mary-hines-230727.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chesterfield",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "KS",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "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,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/cookie-hines-122-cnch.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/catherine-mary-hines-230727"
    },
    {
      "rank": 9,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 279880,
        "slug": "kelly-o-connell-279880",
        "full_name": "Kelly O'Connell",
        "canonical_url": "https://lendb.ai/lo/kelly-o-connell-279880",
        "json_url": "https://lendb.ai/lo/kelly-o-connell-279880.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Washington",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "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": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/washington/kelly-oconnell-604-cnko.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kelly-o-connell-279880"
    },
    {
      "rank": 10,
      "score": 50.8,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "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,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/springfield/sherry-burnett-906-chsbu.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sherry-burnett-407495"
    },
    {
      "rank": 11,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 890066,
        "slug": "jenna-moore-890066",
        "full_name": "Jenna Moore",
        "canonical_url": "https://lendb.ai/lo/jenna-moore-890066",
        "json_url": "https://lendb.ai/lo/jenna-moore-890066.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Hannibal",
          "state": "MO"
        },
        "licensed_states": [
          "IA",
          "IL",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/hannibal/jenna-moore-105-cnjmoo.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jenna-moore-890066"
    },
    {
      "rank": 12,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 2445681,
        "slug": "amber-schwartz-2445681",
        "full_name": "Amber Schwartz",
        "canonical_url": "https://lendb.ai/lo/amber-schwartz-2445681",
        "json_url": "https://lendb.ai/lo/amber-schwartz-2445681.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Chesterfield",
          "state": "MO"
        },
        "licensed_states": [
          "IL",
          "MO"
        ],
        "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": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/chesterfield/amber-schwartz-558-cnasc.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/amber-schwartz-2445681"
    },
    {
      "rank": 13,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 110395,
        "slug": "jeffrey-crusse-110395",
        "full_name": "Jeff Crusse",
        "canonical_url": "https://lendb.ai/lo/jeffrey-crusse-110395",
        "json_url": "https://lendb.ai/lo/jeffrey-crusse-110395.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "GA",
          "MA",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 10,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/jeff-crusse/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-crusse-110395"
    },
    {
      "rank": 14,
      "score": 50,
      "loan_officer": {
        "nmls_id": 1240473,
        "slug": "heather-blanchard-1240473",
        "full_name": "Heather Blanchard",
        "canonical_url": "https://lendb.ai/lo/heather-blanchard-1240473",
        "json_url": "https://lendb.ai/lo/heather-blanchard-1240473.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Sedalia",
          "state": "MO"
        },
        "licensed_states": [
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "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": null,
        "years_experience": 8,
        "lender_profile_url": "https://crosscountrymortgage.com/sedalia-mo-3892/heather-blanchard/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "8 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heather-blanchard-1240473"
    },
    {
      "rank": 15,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 189060,
        "slug": "david-somma-189060",
        "full_name": "David Somma",
        "canonical_url": "https://lendb.ai/lo/david-somma-189060",
        "json_url": "https://lendb.ai/lo/david-somma-189060.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "GA",
          "MA",
          "MO"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/david-g-somma/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "10 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/david-somma-189060"
    },
    {
      "rank": 16,
      "score": 49.8,
      "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"
        ],
        "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,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4631/james-igbinovia/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-igbinovia-626688"
    },
    {
      "rank": 17,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 2701842,
        "slug": "cameron-gemoets-2701842",
        "full_name": "Cameron Gemoets",
        "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842",
        "json_url": "https://lendb.ai/lo/cameron-gemoets-2701842.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "CA",
          "GA",
          "IL",
          "IN",
          "MN",
          "MO",
          "OH",
          "OK",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "0 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842"
    },
    {
      "rank": 18,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 412713,
        "slug": "beth-gottlieb-412713",
        "full_name": "Beth Gottlieb",
        "canonical_url": "https://lendb.ai/lo/beth-gottlieb-412713",
        "json_url": "https://lendb.ai/lo/beth-gottlieb-412713.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Sandwich",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MI",
          "MO",
          "NC",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/il/sandwich/beth-gottlieb-580-chbgo.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/beth-gottlieb-412713"
    },
    {
      "rank": 19,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 929683,
        "slug": "john-higdon-929683",
        "full_name": "John Higdon",
        "canonical_url": "https://lendb.ai/lo/john-higdon-929683",
        "json_url": "https://lendb.ai/lo/john-higdon-929683.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Waterloo",
          "state": "IA"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IA",
          "IL",
          "KS",
          "MO",
          "NE",
          "WI"
        ],
        "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"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 14,
        "lender_profile_url": "https://branches.guildmortgage.com/ia/waterloo/john-higdon-45-umjhi.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/john-higdon-929683"
    },
    {
      "rank": 20,
      "score": 48.6,
      "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"
        ],
        "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,
        "years_experience": 7,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/frank-lowe"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "7 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/frank-lowe-1966607"
    },
    {
      "rank": 21,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 1948454,
        "slug": "heather-dufour-1948454",
        "full_name": "Heather Musick",
        "canonical_url": "https://lendb.ai/lo/heather-dufour-1948454",
        "json_url": "https://lendb.ai/lo/heather-dufour-1948454.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Lee's Summit",
          "state": "MO"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KS",
          "MO",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/mo/leessummit/heather-musick-101-cnhm.html"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "Branch in Missouri",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heather-dufour-1948454"
    },
    {
      "rank": 22,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 90937,
        "slug": "oleg-tkach-90937",
        "full_name": "Oleg Tkach",
        "canonical_url": "https://lendb.ai/lo/oleg-tkach-90937",
        "json_url": "https://lendb.ai/lo/oleg-tkach-90937.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Lynnwood",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MI",
          "MO",
          "MT",
          "NC",
          "NE",
          "OH",
          "OK",
          "OR",
          "SC",
          "SD",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/oleg-tkach/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/oleg-tkach-90937"
    },
    {
      "rank": 23,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 312734,
        "slug": "gail-hillman-312734",
        "full_name": "Gail Hillman",
        "canonical_url": "https://lendb.ai/lo/gail-hillman-312734",
        "json_url": "https://lendb.ai/lo/gail-hillman-312734.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bentonville",
          "state": "AR"
        },
        "licensed_states": [
          "AR",
          "AZ",
          "MO",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/bentonville-ar-8403/delinda-hillman/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "15 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gail-hillman-312734"
    },
    {
      "rank": 24,
      "score": 46.8,
      "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"
        ],
        "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": 10,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/houston-tx-6820/george-harsh/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/george-harsh-237004"
    },
    {
      "rank": 25,
      "score": 46.8,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 19,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/mary-greenwood/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MO (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/mary-greenwood-459324"
    }
  ]
}