{
  "canonical_url": "https://lendb.ai/s/usda/rhode-island",
  "summary": "As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Rhode Island whose lender pages show USDA loan work. The top-ranked are Lori Jule (Atlantic Coast Mortgage, Fairfax), Terry T. Terzakis (Homestead Funding, North Haven) and Mike Nadeau (First Home Mortgage, Seekonk). Ranking is lender-neutral: specialty evidence first, then a license in RI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "usda",
  "state": "RI",
  "total": 6,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 52,
      "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"
        },
        "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"
        ],
        "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": 15,
        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lori-jule-190409"
    },
    {
      "rank": 2,
      "score": 50,
      "loan_officer": {
        "nmls_id": 110369,
        "slug": "terry-terzakis-110369",
        "full_name": "Terry T. Terzakis",
        "canonical_url": "https://lendb.ai/lo/terry-terzakis-110369",
        "json_url": "https://lendb.ai/lo/terry-terzakis-110369.json",
        "lender": {
          "nmls_id": 3232,
          "name": "Homestead Funding",
          "canonical_url": "https://lendb.ai/lender/homestead-funding-3232"
        },
        "branch": {
          "city": "North Haven",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CT",
          "GA",
          "MA",
          "ME",
          "NH",
          "NJ",
          "NY",
          "PA",
          "RI",
          "SC",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://www.homesteadfunding.com/loan-originators/terry-terzakis"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/terry-terzakis-110369"
    },
    {
      "rank": 3,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 20421,
        "slug": "michael-nadeau-20421",
        "full_name": "Mike Nadeau",
        "canonical_url": "https://lendb.ai/lo/michael-nadeau-20421",
        "json_url": "https://lendb.ai/lo/michael-nadeau-20421.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603"
        },
        "branch": {
          "city": "Seekonk",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "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://firsthome.com/loan-officers/mike-nadeau/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-nadeau-20421"
    },
    {
      "rank": 4,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 76599,
        "slug": "shawn-martin-76599",
        "full_name": "Shawn Martin",
        "canonical_url": "https://lendb.ai/lo/shawn-martin-76599",
        "json_url": "https://lendb.ai/lo/shawn-martin-76599.json",
        "lender": {
          "nmls_id": 1067,
          "name": "Allied Mortgage Group",
          "canonical_url": "https://lendb.ai/lender/allied-mortgage-group-1067"
        },
        "branch": {
          "city": "Middletown",
          "state": "CT"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "VA"
        ],
        "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": 10,
        "years_experience": null,
        "lender_profile_url": "https://alliedmg.com/shawn-martin"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/shawn-martin-76599"
    },
    {
      "rank": 5,
      "score": 42,
      "loan_officer": {
        "nmls_id": 221971,
        "slug": "shawn-durant-221971",
        "full_name": "Shawn Durant",
        "canonical_url": "https://lendb.ai/lo/shawn-durant-221971",
        "json_url": "https://lendb.ai/lo/shawn-durant-221971.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "NC",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/shawn-durant"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/shawn-durant-221971"
    },
    {
      "rank": 6,
      "score": 40.3,
      "loan_officer": {
        "nmls_id": 213769,
        "slug": "heidi-gage-213769",
        "full_name": "Heidi Gage",
        "canonical_url": "https://lendb.ai/lo/heidi-gage-213769",
        "json_url": "https://lendb.ai/lo/heidi-gage-213769.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Linthicum",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IL",
          "KY",
          "LA",
          "MA",
          "MD",
          "NC",
          "NJ",
          "OH",
          "OR",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 30,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/heidi-gage/"
      },
      "reasons": [
        "Lists USDA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in RI (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heidi-gage-213769"
    }
  ]
}