{
  "canonical_url": "https://lendb.ai/s/usda/pennsylvania",
  "summary": "As of 2026-10-09, LenDb lists 30 loan officers licensed in or based in Pennsylvania whose lender pages show USDA loan work. The top-ranked are Mark Ostrowski (Homestead Funding, Cranberry Twp), Mark Minadeo (Acrisure Mortgage (formerly FBC Mortgage), Coconut Creek) and Don Waters (Fairway Independent Mortgage Corporation, Clayton). Ranking is lender-neutral: specialty evidence first, then a license in PA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "usda",
  "state": "PA",
  "total": 30,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 61,
      "loan_officer": {
        "nmls_id": 135750,
        "slug": "mark-ostrowski-135750",
        "full_name": "Mark Ostrowski",
        "canonical_url": "https://lendb.ai/lo/mark-ostrowski-135750",
        "json_url": "https://lendb.ai/lo/mark-ostrowski-135750.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
          "city": "Cranberry Twp",
          "state": "PA"
        },
        "licensed_states": [
          "OH",
          "PA"
        ],
        "licenses": [
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "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": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/mark-ostrowski",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Cranberry Twp, PA",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 20925), verified 2026-10-09",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-ostrowski-135750",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 20925), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 60.8,
      "loan_officer": {
        "nmls_id": 330121,
        "slug": "mark-minadeo-330121",
        "full_name": "Mark Minadeo",
        "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121",
        "json_url": "https://lendb.ai/lo/mark-minadeo-330121.json",
        "lender": {
          "nmls_id": 152859,
          "name": "Acrisure Mortgage (formerly FBC Mortgage)",
          "canonical_url": "https://lendb.ai/lender/acrisure-mortgage-152859",
          "type": "imb"
        },
        "branch": {
          "city": "Coconut Creek",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "PA",
          "DE"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "foreign-national",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 16,
        "licensed_since": {
          "year": 2010,
          "state": "FL"
        },
        "years_experience": 10,
        "lender_profile_url": "https://acrisuremortgage.com/mminadeo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 119150), verified 2026-10-09",
        "Licensed since 2010 (per Florida records)",
        "States 10 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-minadeo-330121",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 119150), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "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)",
        "PA 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": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 144907,
        "slug": "ron-riccitelli-jr-144907",
        "full_name": "Ron Riccitelli Jr",
        "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
        "json_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bel Air",
          "state": "MD"
        },
        "licensed_states": [
          "CO",
          "DE",
          "IN",
          "MD",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "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": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bel-air-md-2725/ronald-riccitelli-jr/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "PA 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/ron-riccitelli-jr-144907",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/bel-air-md-2725/ronald-riccitelli-jr/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 934863,
        "slug": "jason-inglish-934863",
        "full_name": "Jason Inglish",
        "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
        "json_url": "https://lendb.ai/lo/jason-inglish-934863.json",
        "lender": {
          "nmls_id": 40508,
          "name": "ALCOVA Mortgage",
          "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508",
          "type": "imb"
        },
        "branch": {
          "city": "Cumberland",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "MD",
          "OH",
          "PA",
          "SC",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "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": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://alcova.com/loan-officer/jinglish/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-09",
        "Licensed since 2022 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-inglish-934863",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 69795), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 903855,
        "slug": "keith-smith-903855",
        "full_name": "Keith Smith",
        "canonical_url": "https://lendb.ai/lo/keith-smith-903855",
        "json_url": "https://lendb.ai/lo/keith-smith-903855.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CO",
          "PA"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 17,
        "licensed_since": {
          "year": 2009,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/keith-smith",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-09",
        "Licensed since 2009 (per Colorado records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/keith-smith-903855",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 122778), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 57.8,
      "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)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 65320), verified 2026-10-09",
        "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": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 65320), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 57.5,
      "loan_officer": {
        "nmls_id": 190409,
        "slug": "lori-jule-190409",
        "full_name": "Lori Jule",
        "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
        "json_url": "https://lendb.ai/lo/lori-jule-190409.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NE",
          "NH",
          "NJ",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WV"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "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": "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": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "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": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 62560), verified 2026-10-09",
        "Licensed since 2017 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 62560), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 57.3,
      "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": null
        },
        "licensed_states": [
          "FL",
          "AR",
          "IN",
          "KY",
          "MI",
          "PA",
          "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": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "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)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 109800), verified 2026-10-09",
        "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": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 109800), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 10,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 201581,
        "slug": "wayne-palkovic-201581",
        "full_name": "Wayne Palkovic",
        "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581",
        "json_url": "https://lendb.ai/lo/wayne-palkovic-201581.json",
        "lender": {
          "nmls_id": 2184,
          "name": "Embrace Home Loans",
          "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184",
          "type": "imb"
        },
        "branch": {
          "city": "Martinsburg",
          "state": "WV"
        },
        "licensed_states": [
          "MD",
          "PA",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "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": 43,
        "lender_profile_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 43 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/wayne-palkovic-201581",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.embracehomeloans.com/location/west-virginia/martinsburg/wayne-palkovic"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 11,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 461953,
        "slug": "chad-vogel-461953",
        "full_name": "Chad Vogel",
        "canonical_url": "https://lendb.ai/lo/chad-vogel-461953",
        "json_url": "https://lendb.ai/lo/chad-vogel-461953.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "PA",
          "DC",
          "DE",
          "MD",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": null,
        "licensed_since": null,
        "years_experience": 24,
        "lender_profile_url": "https://branches.guildmortgage.com/md/columbia/chad-vogel-100-rgcvo.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 56014), verified 2026-10-09",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/chad-vogel-461953",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 56014), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 12,
      "score": 54.8,
      "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)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 121022), verified 2026-10-09",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-igbinovia-626688",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 121022), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 13,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 900029,
        "slug": "amanda-broomall-900029",
        "full_name": "Amanda Broomall",
        "canonical_url": "https://lendb.ai/lo/amanda-broomall-900029",
        "json_url": "https://lendb.ai/lo/amanda-broomall-900029.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Middletown",
          "state": "DE"
        },
        "licensed_states": [
          "PA",
          "DE",
          "MD"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "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": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/de/middletown/amanda-broomall-560-rgabro.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 69796), verified 2026-10-09",
        "Licensed since 2022 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/amanda-broomall-900029",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 69796), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 14,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 224067,
        "slug": "laura-reese-224067",
        "full_name": "Laura Reese",
        "canonical_url": "https://lendb.ai/lo/laura-reese-224067",
        "json_url": "https://lendb.ai/lo/laura-reese-224067.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Bel Air",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "MD",
          "PA"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "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": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": 21,
        "lender_profile_url": "https://firsthome.com/loan-officers/laura-reese/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)",
        "States 21 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/laura-reese-224067",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://firsthome.com/loan-officers/laura-reese/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 15,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1560201,
        "slug": "aaron-hartman-1560201",
        "full_name": "Aaron Hartman",
        "canonical_url": "https://lendb.ai/lo/aaron-hartman-1560201",
        "json_url": "https://lendb.ai/lo/aaron-hartman-1560201.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Haddonfield",
          "state": "NJ"
        },
        "licensed_states": [
          "NJ",
          "PA"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "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": null,
        "licensed_since": null,
        "years_experience": 8,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/aaron-hartman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 63351), verified 2026-10-09",
        "States 8 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/aaron-hartman-1560201",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 63351), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 16,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 313085,
        "slug": "jason-nader-313085",
        "full_name": "Jason Nader",
        "canonical_url": "https://lendb.ai/lo/jason-nader-313085",
        "json_url": "https://lendb.ai/lo/jason-nader-313085.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "PA",
          "SC",
          "VA"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/jason-nader/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 104454), verified 2026-10-09",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-nader-313085",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 104454), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 17,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1415046,
        "slug": "jaison-koshy-1415046",
        "full_name": "Jaison Koshy",
        "canonical_url": "https://lendb.ai/lo/jaison-koshy-1415046",
        "json_url": "https://lendb.ai/lo/jaison-koshy-1415046.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "NJ",
          "PA"
        ],
        "licenses": [
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "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": 15,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/jaison-koshy-1415046",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jaison-koshy-1415046",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/jaison-koshy-1415046"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 18,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 63690,
        "slug": "todd-mcdermott-63690",
        "full_name": "Todd McDermott",
        "canonical_url": "https://lendb.ai/lo/todd-mcdermott-63690",
        "json_url": "https://lendb.ai/lo/todd-mcdermott-63690.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232",
          "type": "imb"
        },
        "branch": {
          "city": "Goshen",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "ME",
          "NJ",
          "NY",
          "PA",
          "SC",
          "VT"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "VT",
            "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": 7,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/todd-mcdermott",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 69591), verified 2026-10-09",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/todd-mcdermott-63690",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 69591), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 19,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 170161,
        "slug": "dennis-sullivan-170161",
        "full_name": "Dennis Sullivan",
        "canonical_url": "https://lendb.ai/lo/dennis-sullivan-170161",
        "json_url": "https://lendb.ai/lo/dennis-sullivan-170161.json",
        "lender": {
          "nmls_id": 2921,
          "name": "Southern Trust Mortgage",
          "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921",
          "type": "imb"
        },
        "branch": {
          "city": "Annapolis",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "NJ",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "licenses": [
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "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"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.southerntrust.com/dennis-sullivan/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 94484), verified 2026-10-09",
        "Licensed since 2021 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/dennis-sullivan-170161",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 94484), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 20,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 176620,
        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
        "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "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"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 21,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 646417,
        "slug": "tiffany-arnold-646417",
        "full_name": "Tiffany Arnold",
        "canonical_url": "https://lendb.ai/lo/tiffany-arnold-646417",
        "json_url": "https://lendb.ai/lo/tiffany-arnold-646417.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Richmond",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "MD",
          "NC",
          "OH",
          "OR",
          "PA",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "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": 5,
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/tiffany-arnold/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 90498), verified 2026-10-09",
        "Licensed since 2021 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/tiffany-arnold-646417",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 90498), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 22,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 2145884,
        "slug": "austen-ward-2145884",
        "full_name": "Austen Ward",
        "canonical_url": "https://lendb.ai/lo/austen-ward-2145884",
        "json_url": "https://lendb.ai/lo/austen-ward-2145884.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Haddonfield",
          "state": "NJ"
        },
        "licensed_states": [
          "DE",
          "NJ",
          "PA"
        ],
        "licenses": [
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 5,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/austen-ward/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 103186), verified 2026-10-09",
        "States 5 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/austen-ward-2145884",
      "license_check": {
        "state": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 103186), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 23,
      "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)",
        "PA 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": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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": 24,
      "score": 50.8,
      "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)",
        "Licensed in PA: confirmed with the Pennsylvania regulator (license 121949), verified 2026-10-09",
        "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": "PA",
        "confidence": "confirmed",
        "eligible": true,
        "label": "Licensed in PA: confirmed with the Pennsylvania regulator (license 121949), verified 2026-10-09",
        "verified_at": "2026-10-09",
        "source_url": "https://data.pa.gov/d/tyxc-jyug"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 25,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 137958,
        "slug": "john-mcguire-137958",
        "full_name": "Jack McGuire",
        "canonical_url": "https://lendb.ai/lo/john-mcguire-137958",
        "json_url": "https://lendb.ai/lo/john-mcguire-137958.json",
        "lender": {
          "nmls_id": 1067,
          "name": "Allied Mortgage Group",
          "canonical_url": "https://lendb.ai/lender/allied-mortgage-group-1067",
          "type": "imb"
        },
        "branch": {
          "city": "Bala Cynwyd",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "GA",
          "KY",
          "MD",
          "NC",
          "NJ",
          "NM",
          "NV",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "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": "WI",
            "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": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://alliedmg.com/jack-mcguire",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Bala Cynwyd, PA",
        "PA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2013 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/john-mcguire-137958",
      "license_check": {
        "state": "PA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "PA 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/jack-mcguire"
      },
      "match_status": "exact",
      "matched_specialties": [
        "usda"
      ],
      "unconfirmed_specialties": []
    }
  ]
}