{
  "canonical_url": "https://lendb.ai/s/va/district-of-columbia",
  "summary": "As of 2026-10-09, LenDb lists 119 loan officers licensed in or based in District of Columbia whose lender pages show VA loan work. The top-ranked are Christian Kosko (Fairway Independent Mortgage Corporation, Washington), Scott Evans (CrossCountry Mortgage, San Diego) and Jose Strickland (First Home Mortgage, La Plata). Ranking is lender-neutral: specialty evidence first, then a license in DC, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "DC",
  "total": 119,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.3,
      "loan_officer": {
        "nmls_id": 1415795,
        "slug": "christian-kosko-1415795",
        "full_name": "Christian Kosko",
        "canonical_url": "https://lendb.ai/lo/christian-kosko-1415795",
        "json_url": "https://lendb.ai/lo/christian-kosko-1415795.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Washington",
          "state": "DC"
        },
        "licensed_states": [
          "DC",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 10,
        "lender_profile_url": "https://www.fairway.com/lo/christian-kosko-1415795"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "Branch in District of Columbia",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christian-kosko-1415795"
    },
    {
      "rank": 2,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 256163,
        "slug": "scott-evans-256163",
        "full_name": "Scott Evans",
        "canonical_url": "https://lendb.ai/lo/scott-evans-256163",
        "json_url": "https://lendb.ai/lo/scott-evans-256163.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DC",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-4018/scott-evans/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "13 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/scott-evans-256163"
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1447128,
        "slug": "jose-strickland-1447128",
        "full_name": "Jose Strickland",
        "canonical_url": "https://lendb.ai/lo/jose-strickland-1447128",
        "json_url": "https://lendb.ai/lo/jose-strickland-1447128.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "La Plata",
          "state": "MD"
        },
        "licensed_states": [
          "DC",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://firsthome.com/loan-officers/jose-strickland/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jose-strickland-1447128"
    },
    {
      "rank": 4,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 71222,
        "slug": "jeffrey-halbert-71222",
        "full_name": "Jeff Halbert",
        "canonical_url": "https://lendb.ai/lo/jeffrey-halbert-71222",
        "json_url": "https://lendb.ai/lo/jeffrey-halbert-71222.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Dunkirk",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/jeff-halbert/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeffrey-halbert-71222"
    },
    {
      "rank": 5,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 21108,
        "slug": "michael-eastman-21108",
        "full_name": "Mike Eastman",
        "canonical_url": "https://lendb.ai/lo/michael-eastman-21108",
        "json_url": "https://lendb.ai/lo/michael-eastman-21108.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://fhmtg.com/officers/mike-eastman/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-eastman-21108"
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 174898,
        "slug": "bruce-dorsey-174898",
        "full_name": "Bruce Alan Dorsey",
        "canonical_url": "https://lendb.ai/lo/bruce-dorsey-174898",
        "json_url": "https://lendb.ai/lo/bruce-dorsey-174898.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893",
          "type": "imb"
        },
        "branch": {
          "city": "Linthicum Heights",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 19,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/bruce-alan-dorsey/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bruce-dorsey-174898"
    },
    {
      "rank": 7,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1760292,
        "slug": "ryan-hadley-1760292",
        "full_name": "Ryan Hadley",
        "canonical_url": "https://lendb.ai/lo/ryan-hadley-1760292",
        "json_url": "https://lendb.ai/lo/ryan-hadley-1760292.json",
        "lender": {
          "nmls_id": 86548,
          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "DC",
          "IL",
          "MD",
          "NC",
          "SC",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://fhmtg.com/officers/ryan-hadley/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-hadley-1760292"
    },
    {
      "rank": 8,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1984869,
        "slug": "bryan-sumardi-1984869",
        "full_name": "Bryan Sumardi",
        "canonical_url": "https://lendb.ai/lo/bryan-sumardi-1984869",
        "json_url": "https://lendb.ai/lo/bryan-sumardi-1984869.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "North Bethesda",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "GA",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/north-bethesda-md-3196/bryan-sumardi/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bryan-sumardi-1984869"
    },
    {
      "rank": 9,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 132188,
        "slug": "robert-taylor-132188",
        "full_name": "Robert Taylor",
        "canonical_url": "https://lendb.ai/lo/robert-taylor-132188",
        "json_url": "https://lendb.ai/lo/robert-taylor-132188.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Baltimore",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "PA",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/rob-taylor/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-taylor-132188"
    },
    {
      "rank": 10,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 474088,
        "slug": "james-f-gaudiosi-474088",
        "full_name": "James F. Gaudiosi",
        "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088",
        "json_url": "https://lendb.ai/lo/james-f-gaudiosi-474088.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": [
          "DC",
          "MD",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 23,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/james-gaudiosi/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "23 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/james-f-gaudiosi-474088"
    },
    {
      "rank": 11,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 284943,
        "slug": "william-hylind-284943",
        "full_name": "Bill Hylind",
        "canonical_url": "https://lendb.ai/lo/william-hylind-284943",
        "json_url": "https://lendb.ai/lo/william-hylind-284943.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "North Bethesda",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "MD",
          "NC",
          "PA",
          "SC",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/north-bethesda-md-2716/william-hylind/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/william-hylind-284943"
    },
    {
      "rank": 12,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 513123,
        "slug": "jessica-enfinger-513123",
        "full_name": "Jessica Enfinger",
        "canonical_url": "https://lendb.ai/lo/jessica-enfinger-513123",
        "json_url": "https://lendb.ai/lo/jessica-enfinger-513123.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "DC",
          "DE",
          "GA",
          "LA",
          "MD",
          "PA",
          "VA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-2724/jessica-enfinger/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-enfinger-513123"
    },
    {
      "rank": 13,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 1957808,
        "slug": "jay-bunte-1957808",
        "full_name": "Jay Bunte",
        "canonical_url": "https://lendb.ai/lo/jay-bunte-1957808",
        "json_url": "https://lendb.ai/lo/jay-bunte-1957808.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Worth",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-worth-tx-4693/jay-bunte/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in DC (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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}