{
  "canonical_url": "https://lendb.ai/s/va/georgia",
  "summary": "As of 2026-10-09, LenDb lists 370 loan officers licensed in or based in Georgia whose lender pages show VA loan work. The top-ranked are Tammy C White (Guild Mortgage, Columbus), Chris Shumate (Fairway Independent Mortgage Corporation, Duluth) and Kate Redman (CrossCountry Mortgage, Evans). Ranking is lender-neutral: specialty evidence first, then a license in GA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "GA",
  "total": 370,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 453643,
        "slug": "tammy-c-white-453643",
        "full_name": "Tammy C White",
        "canonical_url": "https://lendb.ai/lo/tammy-c-white-453643",
        "json_url": "https://lendb.ai/lo/tammy-c-white-453643.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Columbus",
          "state": "GA"
        },
        "licensed_states": [
          "AL",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://branches.guildmortgage.com/ga/columbus/tammy-c-white-46-hptwh.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "22 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tammy-c-white-453643"
    },
    {
      "rank": 2,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 627360,
        "slug": "christopher-shumate-627360",
        "full_name": "Chris Shumate",
        "canonical_url": "https://lendb.ai/lo/christopher-shumate-627360",
        "json_url": "https://lendb.ai/lo/christopher-shumate-627360.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Duluth",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/chris-shumate-627360"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-shumate-627360"
    },
    {
      "rank": 3,
      "score": 54.3,
      "loan_officer": {
        "nmls_id": 880676,
        "slug": "kathleen-redman-880676",
        "full_name": "Kate Redman",
        "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676",
        "json_url": "https://lendb.ai/lo/kathleen-redman-880676.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Evans",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/evans-ga-3656/kathleen-redman/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676"
    },
    {
      "rank": 4,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 7369,
        "slug": "lynne-mosley-7369",
        "full_name": "Lynne Mosley",
        "canonical_url": "https://lendb.ai/lo/lynne-mosley-7369",
        "json_url": "https://lendb.ai/lo/lynne-mosley-7369.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Clanton",
          "state": "AL"
        },
        "licensed_states": [
          "AL",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/al/clanton/lynne-mosley-85-hploms.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (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/lynne-mosley-7369"
    },
    {
      "rank": 5,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 203664,
        "slug": "rachelle-coffey-203664",
        "full_name": "Rachelle Coffey",
        "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664",
        "json_url": "https://lendb.ai/lo/rachelle-coffey-203664.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "GA",
          "NM",
          "OR",
          "SC",
          "TX",
          "UT",
          "WA"
        ],
        "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": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://homeownersfg.com/rachellecoffey/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/rachelle-coffey-203664"
    },
    {
      "rank": 6,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 570248,
        "slug": "cherie-smith-570248",
        "full_name": "Cherie Smith",
        "canonical_url": "https://lendb.ai/lo/cherie-smith-570248",
        "json_url": "https://lendb.ai/lo/cherie-smith-570248.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Redmond",
          "state": "OR"
        },
        "licensed_states": [
          "AZ",
          "GA",
          "ID",
          "MT",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/or/redmond/cherie-smith-565-wtcs.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/cherie-smith-570248"
    },
    {
      "rank": 7,
      "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"
        },
        "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 GA (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": 8,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 1828966,
        "slug": "april-crawford-1828966",
        "full_name": "April Crawford",
        "canonical_url": "https://lendb.ai/lo/april-crawford-1828966",
        "json_url": "https://lendb.ai/lo/april-crawford-1828966.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106"
        },
        "branch": {
          "city": "Peachtree Corners",
          "state": "GA"
        },
        "licensed_states": [
          "AL",
          "FL",
          "GA",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/acrawford"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/april-crawford-1828966"
    },
    {
      "rank": 9,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 79139,
        "slug": "garry-berardi-79139",
        "full_name": "Garry Berardi",
        "canonical_url": "https://lendb.ai/lo/garry-berardi-79139",
        "json_url": "https://lendb.ai/lo/garry-berardi-79139.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Alpharetta",
          "state": "GA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "GA",
          "NC",
          "SC",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/alpharetta-ga-4747/garry-berardi/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/garry-berardi-79139"
    },
    {
      "rank": 10,
      "score": 53.3,
      "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"
        },
        "branch": {
          "city": "Naples",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MN",
          "MO",
          "NM",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320"
    },
    {
      "rank": 11,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 237244,
        "slug": "catherine-barnett-237244",
        "full_name": "Catherine Barnett",
        "canonical_url": "https://lendb.ai/lo/catherine-barnett-237244",
        "json_url": "https://lendb.ai/lo/catherine-barnett-237244.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CO",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/catherine-barnett"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "22 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/catherine-barnett-237244"
    },
    {
      "rank": 12,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 301434,
        "slug": "paul-weidner-301434",
        "full_name": "Paul Weidner",
        "canonical_url": "https://lendb.ai/lo/paul-weidner-301434",
        "json_url": "https://lendb.ai/lo/paul-weidner-301434.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Ormond Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/fl/ormondbeach/paul-weidner-501-jvpw.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/paul-weidner-301434"
    },
    {
      "rank": 13,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 369430,
        "slug": "daniel-longman-369430",
        "full_name": "Dan Longman",
        "canonical_url": "https://lendb.ai/lo/daniel-longman-369430",
        "json_url": "https://lendb.ai/lo/daniel-longman-369430.json",
        "lender": {
          "nmls_id": 2893,
          "name": "NFM Lending",
          "canonical_url": "https://lendb.ai/lender/nfm-lending-2893"
        },
        "branch": {
          "city": "Plantation",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "GA",
          "NC",
          "OH",
          "SC",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 28,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/dan-longman/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-longman-369430"
    },
    {
      "rank": 14,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 461209,
        "slug": "james-deal-461209",
        "full_name": "James Deal",
        "canonical_url": "https://lendb.ai/lo/james-deal-461209",
        "json_url": "https://lendb.ai/lo/james-deal-461209.json",
        "lender": {
          "nmls_id": 93718,
          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
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          "name": "First Heritage Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-heritage-mortgage-86548"
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          "state": "VA"
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          "AL",
          "DC",
          "DE",
          "GA",
          "MD",
          "NC",
          "PA",
          "SC",
          "TN",
          "VA",
          "WV"
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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        "lender": {
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          "name": "Empire Home Loans",
          "canonical_url": "https://lendb.ai/lender/empire-home-loans-1839243"
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        "branch": {
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          "state": "CA"
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          "CA",
          "GA",
          "NV",
          "TX"
        ],
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_experience": 20,
        "lender_profile_url": "https://www.empirehomeloans.com/team/cathys"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 17,
      "score": 52.5,
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        "slug": "thomas-fazio-268035",
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        "canonical_url": "https://lendb.ai/lo/thomas-fazio-268035",
        "json_url": "https://lendb.ai/lo/thomas-fazio-268035.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
        },
        "branch": {
          "city": "St. Augustine",
          "state": "FL"
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          "FL",
          "GA",
          "VA"
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        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "slug": "reverse",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://www.apmortgage.com/tom-fazio"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
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      "rank": 18,
      "score": 52.5,
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        "canonical_url": "https://lendb.ai/lo/avni-patel-780250",
        "json_url": "https://lendb.ai/lo/avni-patel-780250.json",
        "lender": {
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          "name": "Homeowners Financial Group",
          "canonical_url": "https://lendb.ai/lender/homeowners-financial-group-93718"
        },
        "branch": {
          "city": "Atlanta",
          "state": "GA"
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        "licensed_states": [
          "AL",
          "GA"
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        "languages": [
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          "hi"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "years_experience": 15,
        "lender_profile_url": "https://homeownersfg.com/avnipatel/"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "score": 52.3,
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        "canonical_url": "https://lendb.ai/lo/christine-o-brien-174453",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Bethlehem",
          "state": "GA"
        },
        "licensed_states": [
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          "GA"
        ],
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          }
        ],
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        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/bethlehem-ga-3593/christine-obrien/"
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      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 20,
      "score": 52.3,
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        "slug": "terilyn-nicely-973893",
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        "canonical_url": "https://lendb.ai/lo/terilyn-nicely-973893",
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        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
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          "state": "GA"
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        "licensed_states": [
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          "GA",
          "LA"
        ],
        "languages": [],
        "specialties": [
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            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://crosscountrymortgage.com/kathleen-ga-3668/terilyn-nicely/"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
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      "rank": 21,
      "score": 52,
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        "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": {
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          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
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          "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"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/"
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        "15 years licensed",
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      "score": 52,
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        "lender": {
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          "name": "First Heritage Mortgage",
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        },
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          "state": null
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          "MD",
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          "SC",
          "VA"
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          {
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://fhmtg.com/officers/lisa-perry/"
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        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
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        "18 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
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      "rank": 23,
      "score": 52,
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        "slug": "norman-wolff-331844",
        "full_name": "Trey Wolff",
        "canonical_url": "https://lendb.ai/lo/norman-wolff-331844",
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        "lender": {
          "nmls_id": 134871,
          "name": "Highlands Residential Mortgage",
          "canonical_url": "https://lendb.ai/lender/highlands-residential-mortgage-134871"
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          "state": "GA"
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          "GA",
          "LA",
          "TX"
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        "languages": [],
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            "slug": "bank-statement",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "lender_profile_url": "https://www.highlandsmortgage.com/agents/trey-wolff/"
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        "Branch in Georgia",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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        "slug": "john-lindberg-447760",
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
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          "state": "GA"
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          "AL",
          "GA",
          "NC",
          "SC"
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            "slug": "va",
            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
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        ],
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        "years_experience": 15,
        "lender_profile_url": "https://branches.guildmortgage.com/ga/martinez/john-lindberg-690-hpjl.html"
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        "Licensed in GA (listed on lender page, verified 2026-10-09)",
        "Branch in Georgia",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
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      "score": 51.8,
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        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
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          "state": "CA"
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          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "ND",
          "OR",
          "PA",
          "TN",
          "VA",
          "WA"
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        "languages": [],
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          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        ],
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        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes"
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        "12 years licensed",
        "No disciplinary actions on file at LenDb"
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}