{ "canonical_url": "https://lendb.ai/s/va/florida", "summary": "As of 2026-10-09, LenDb lists 229 loan officers licensed in or based in Florida whose lender pages show VA loan work. The top-ranked are Kim Ullrich (Guild Mortgage, Vero Beach), Susan McGrath (CrossCountry Mortgage, Naples) and Gregory Tily (CrossCountry Mortgage, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "va", "state": "FL", "total": 229, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 65.8, "loan_officer": { "nmls_id": 306250, "slug": "kim-ullrich-306250", "full_name": "Kim Ullrich", "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250", "json_url": "https://lendb.ai/lo/kim-ullrich-306250.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Vero Beach", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "foreign-national", "evidence": "lender_page_text" }, { "slug": "jumbo", "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": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/fl/verobeach/kim-ullrich-299-hpku.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Vero Beach, FL", "Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kim-ullrich-306250", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO8958), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 65.8, "loan_officer": { "nmls_id": 366451, "slug": "susan-mcgrath-366451", "full_name": "Susan McGrath", "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451", "json_url": "https://lendb.ai/lo/susan-mcgrath-366451.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "MA", "NC", "NH", "NJ" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 40, "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/susan-mcgrath/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Naples, FL", "Licensed in FL: confirmed with the Florida regulator (license LO110737), verified 2026-10-09", "Licensed since 2022 (per Florida records)", "States 40 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO110737), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 65.8, "loan_officer": { "nmls_id": 1720774, "slug": "gregory-tily-1720774", "full_name": "Gregory Tily", "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774", "json_url": "https://lendb.ai/lo/gregory-tily-1720774.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "CO", "AL", "AZ", "CA", "GA", "IN", "KS", "KY", "MA", "MD", "MN", "MO", "NC", "OH", "PA", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "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": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "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" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4694/gregory-tily/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Tampa, FL", "Licensed in FL: confirmed with the Florida regulator (license LO95372), verified 2026-10-09", "Licensed since 2021 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO95372), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 65.8, "loan_officer": { "nmls_id": 2555076, "slug": "aaron-sanders-2555076", "full_name": "Aaron Sanders", "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "json_url": "https://lendb.ai/lo/aaron-sanders-2555076.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "AL", "CA", "CT", "GA", "IA", "IL", "KS", "LA", "MA", "MD", "ME", "MI", "MS", "NC", "SC", "TX", "VA", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "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": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "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, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-5246/aaron-sanders/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Delray Beach, FL", "Licensed in FL: confirmed with the Florida regulator (license LO126341), verified 2026-10-09", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO126341), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 65, "loan_officer": { "nmls_id": 815948, "slug": "charles-figueroa-815948", "full_name": "Charles Figueroa", "canonical_url": "https://lendb.ai/lo/charles-figueroa-815948", "json_url": "https://lendb.ai/lo/charles-figueroa-815948.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/charles-figueroa-815948", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Florida", "Licensed in FL: confirmed with the Florida regulator (license LO57738), verified 2026-10-09", "Licensed since 2018 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/charles-figueroa-815948", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO57738), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 64.8, "loan_officer": { "nmls_id": 659544, "slug": "erika-alves-659544", "full_name": "Erika Alves", "canonical_url": "https://lendb.ai/lo/erika-alves-659544", "json_url": "https://lendb.ai/lo/erika-alves-659544.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "AR", "OK", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 14, "licensed_since": { "year": 2012, "state": "FL" }, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4600/erika-alves/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Tampa, FL", "Licensed in FL: confirmed with the Florida regulator (license LO13353), verified 2026-10-09", "Licensed since 2012 (per Florida records)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/erika-alves-659544", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO13353), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 63.8, "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 VA loan on lender page (lender page, verified 2026-10-09)", "Office in Coconut Creek, FL", "Licensed in FL: confirmed with the Florida regulator (license LO673), 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": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO673), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 63.8, "loan_officer": { "nmls_id": 375464, "slug": "robert-tanner-375464", "full_name": "Robert Tanner", "canonical_url": "https://lendb.ai/lo/robert-tanner-375464", "json_url": "https://lendb.ai/lo/robert-tanner-375464.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lakeland", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/lakeland-fl-4596/robert-tanner/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Lakeland, FL", "Licensed in FL: confirmed with the Florida regulator (license LO6672), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/robert-tanner-375464", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO6672), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 63.5, "loan_officer": { "nmls_id": 336281, "slug": "ricardo-maysonet-336281", "full_name": "Rick Maysonet", "canonical_url": "https://lendb.ai/lo/ricardo-maysonet-336281", "json_url": "https://lendb.ai/lo/ricardo-maysonet-336281.json", "lender": { "nmls_id": 320841, "name": "Loan Factory", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/rick-maysonet-336281", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Florida", "Licensed in FL: confirmed with the Florida regulator (license LO4118), verified 2026-10-09", "Licensed since 2011 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ricardo-maysonet-336281", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO4118), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 63.3, "loan_officer": { "nmls_id": 162320, "slug": "dawn-pemberton-162320", "full_name": "Dawn Rae Pemberton", "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320", "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "GA", "IL", "KS", "KY", "LA", "MN", 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"state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Naples, FL", "Licensed in FL: confirmed with the Florida regulator (license LO4597), verified 2026-10-09", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator 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