{
  "canonical_url": "https://lendb.ai/s/va/indiana",
  "summary": "As of 2026-10-09, LenDb lists 218 loan officers licensed in or based in Indiana whose lender pages show VA loan work. The top-ranked are Jennifer Mantai (Guild Mortgage, Merrillville), Dan Smith (Ruoff Mortgage, Bloomington) and Ken Smith (Churchill Mortgage, Colorado Springs). Ranking is lender-neutral: specialty evidence first, then a license in IN, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "IN",
  "total": 218,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 138224,
        "slug": "jennifer-mantai-138224",
        "full_name": "Jennifer Mantai",
        "canonical_url": "https://lendb.ai/lo/jennifer-mantai-138224",
        "json_url": "https://lendb.ai/lo/jennifer-mantai-138224.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Merrillville",
          "state": "IN"
        },
        "licensed_states": [
          "IL",
          "IN",
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 23,
        "lender_profile_url": "https://branches.guildmortgage.com/in/merrillville/jennifer-mantai-877-hpjman.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "23 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-mantai-138224"
    },
    {
      "rank": 2,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 2784335,
        "slug": "dan-smith-2784335",
        "full_name": "Dan Smith",
        "canonical_url": "https://lendb.ai/lo/dan-smith-2784335",
        "json_url": "https://lendb.ai/lo/dan-smith-2784335.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868"
        },
        "branch": {
          "city": "Bloomington",
          "state": "IN"
        },
        "licensed_states": [
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://www.ruoff.com/DanSmith"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "15 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dan-smith-2784335"
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 71162,
        "slug": "ken-smith-71162",
        "full_name": "Ken Smith",
        "canonical_url": "https://lendb.ai/lo/ken-smith-71162",
        "json_url": "https://lendb.ai/lo/ken-smith-71162.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "CO",
          "IN",
          "KY",
          "NM",
          "SD",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 23,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/ken-smith"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (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/ken-smith-71162"
    },
    {
      "rank": 4,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 144907,
        "slug": "ron-riccitelli-jr-144907",
        "full_name": "Ron Riccitelli Jr",
        "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907",
        "json_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Bel Air",
          "state": "MD"
        },
        "licensed_states": [
          "CO",
          "DE",
          "IN",
          "MD",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bel-air-md-2725/ronald-riccitelli-jr/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "21 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ron-riccitelli-jr-144907"
    },
    {
      "rank": 5,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 19621,
        "slug": "christopher-drane-19621",
        "full_name": "Chris Drane",
        "canonical_url": "https://lendb.ai/lo/christopher-drane-19621",
        "json_url": "https://lendb.ai/lo/christopher-drane-19621.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Clarksville",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IN",
          "KY",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/in/clarksville/chris-drane-767-hpcd.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-drane-19621"
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 193246,
        "slug": "kevin-holmes-193246",
        "full_name": "Kevin Holmes",
        "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246",
        "json_url": "https://lendb.ai/lo/kevin-holmes-193246.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",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://nfmlending.com/loanoriginator/kevin-holmes/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-holmes-193246"
    },
    {
      "rank": 7,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 236048,
        "slug": "kim-arnos-236048",
        "full_name": "Kim Arnos",
        "canonical_url": "https://lendb.ai/lo/kim-arnos-236048",
        "json_url": "https://lendb.ai/lo/kim-arnos-236048.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "IN"
        ],
        "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"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.ruoff.com/KimArnos"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (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/kim-arnos-236048"
    },
    {
      "rank": 8,
      "score": 52.3,
      "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"
        },
        "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 IN (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": 9,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 2039867,
        "slug": "eric-todderud-2039867",
        "full_name": "Eric Todderud",
        "canonical_url": "https://lendb.ai/lo/eric-todderud-2039867",
        "json_url": "https://lendb.ai/lo/eric-todderud-2039867.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MS"
        ],
        "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://branches.guildmortgage.com/in/fishers/eric-todderud-386-cheto.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-todderud-2039867"
    },
    {
      "rank": 10,
      "score": 52.2,
      "loan_officer": {
        "nmls_id": 62811,
        "slug": "connie-smith-62811",
        "full_name": "Connie Smith",
        "canonical_url": "https://lendb.ai/lo/connie-smith-62811",
        "json_url": "https://lendb.ai/lo/connie-smith-62811.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229"
        },
        "branch": {
          "city": "Lakeside Park",
          "state": "KY"
        },
        "licensed_states": [
          "IN",
          "KY",
          "OH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 16,
        "lender_profile_url": "https://www.uhm.com/loan-officers/csmith/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "16 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/connie-smith-62811"
    },
    {
      "rank": 11,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 133724,
        "slug": "roland-gomez-133724",
        "full_name": "Roland Gomez",
        "canonical_url": "https://lendb.ai/lo/roland-gomez-133724",
        "json_url": "https://lendb.ai/lo/roland-gomez-133724.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Orland Park",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MI",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/orland-park-il-3245/roland-gomez/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/roland-gomez-133724"
    },
    {
      "rank": 12,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 521445,
        "slug": "darik-tolnay-521445",
        "full_name": "Darik Tolnay",
        "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445",
        "json_url": "https://lendb.ai/lo/darik-tolnay-521445.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029"
        },
        "branch": {
          "city": "Lakewood",
          "state": "CO"
        },
        "licensed_states": [
          "AZ",
          "CO",
          "IN",
          "KS",
          "MO",
          "NM",
          "NV",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "15 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445"
    },
    {
      "rank": 13,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1057175,
        "slug": "kristina-hayes-1057175",
        "full_name": "Kristina Hayes",
        "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175",
        "json_url": "https://lendb.ai/lo/kristina-hayes-1057175.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Irvine",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KY",
          "MA",
          "MD",
          "MI",
          "MN",
          "NC",
          "ND",
          "OR",
          "PA",
          "TN",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": 35,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristina-hayes"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "12 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175"
    },
    {
      "rank": 14,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 1685151,
        "slug": "jillian-brotan-1685151",
        "full_name": "Jillian Brotan",
        "canonical_url": "https://lendb.ai/lo/jillian-brotan-1685151",
        "json_url": "https://lendb.ai/lo/jillian-brotan-1685151.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Crown Point",
          "state": "IN"
        },
        "licensed_states": [
          "IL",
          "IN",
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 5,
        "lender_profile_url": "https://www.fairway.com/lo/jillian-brotan-1685151"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "5 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jillian-brotan-1685151"
    },
    {
      "rank": 15,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
        "json_url": "https://lendb.ai/lo/morgan-cowle-40312.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "CT",
          "IN",
          "KY",
          "MI",
          "OH",
          "OK",
          "PA",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 18,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312"
    },
    {
      "rank": 16,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 82361,
        "slug": "donald-waters-82361",
        "full_name": "Don Waters",
        "canonical_url": "https://lendb.ai/lo/donald-waters-82361",
        "json_url": "https://lendb.ai/lo/donald-waters-82361.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Clayton",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "IN",
          "KS",
          "KY",
          "MI",
          "NC",
          "OH",
          "PA",
          "SC",
          "TN",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": 20,
        "lender_profile_url": "https://www.fairway.com/lo/don-waters-82361"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-waters-82361"
    },
    {
      "rank": 17,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 175955,
        "slug": "jon-knight-175955",
        "full_name": "Jon Knight",
        "canonical_url": "https://lendb.ai/lo/jon-knight-175955",
        "json_url": "https://lendb.ai/lo/jon-knight-175955.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Carmel",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": 30,
        "lender_profile_url": "https://www.fairway.com/lo/jon-knight-175955"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jon-knight-175955"
    },
    {
      "rank": 18,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 130044,
        "slug": "christopher-martorano-130044",
        "full_name": "Chris Martorano",
        "canonical_url": "https://lendb.ai/lo/christopher-martorano-130044",
        "json_url": "https://lendb.ai/lo/christopher-martorano-130044.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CO",
          "IL",
          "IN",
          "MI",
          "OH",
          "SC",
          "TX",
          "WI"
        ],
        "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": "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://branches.guildmortgage.com/il/chicago/chris-martorano-262-ctcm.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-martorano-130044"
    },
    {
      "rank": 19,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 201079,
        "slug": "carl-melby-201079",
        "full_name": "Carl Melby",
        "canonical_url": "https://lendb.ai/lo/carl-melby-201079",
        "json_url": "https://lendb.ai/lo/carl-melby-201079.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Aurora",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN"
        ],
        "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": "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": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/il/aurora/carl-melby-119-ctcme.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "10 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/carl-melby-201079"
    },
    {
      "rank": 20,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 404304,
        "slug": "lafe-ransom-404304",
        "full_name": "Lafe Ransom",
        "canonical_url": "https://lendb.ai/lo/lafe-ransom-404304",
        "json_url": "https://lendb.ai/lo/lafe-ransom-404304.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Evansville",
          "state": "IN"
        },
        "licensed_states": [
          "AL",
          "GA",
          "IL",
          "IN",
          "KY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "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": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/in/evansville/lafe-ransom-63-chlran.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lafe-ransom-404304"
    },
    {
      "rank": 21,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 525367,
        "slug": "bill-montgomery-525367",
        "full_name": "Bill Montgomery",
        "canonical_url": "https://lendb.ai/lo/bill-montgomery-525367",
        "json_url": "https://lendb.ai/lo/bill-montgomery-525367.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Anderson",
          "state": "IN"
        },
        "licensed_states": [
          "IN",
          "MN",
          "MS"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/in/anderson/bill-montgomery-34-chbmon.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-montgomery-525367"
    },
    {
      "rank": 22,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 543306,
        "slug": "christy-white-543306",
        "full_name": "Christy White",
        "canonical_url": "https://lendb.ai/lo/christy-white-543306",
        "json_url": "https://lendb.ai/lo/christy-white-543306.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Indianapolis",
          "state": "IN"
        },
        "licensed_states": [
          "IL",
          "IN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/in/indianapolis/christy-white-665-chchw.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/christy-white-543306"
    },
    {
      "rank": 23,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 826285,
        "slug": "jaime-williams-826285",
        "full_name": "Jaime Williams",
        "canonical_url": "https://lendb.ai/lo/jaime-williams-826285",
        "json_url": "https://lendb.ai/lo/jaime-williams-826285.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289"
        },
        "branch": {
          "city": "Lafayette",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "GA",
          "IL",
          "IN",
          "KY",
          "MI",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 5,
        "lender_profile_url": "https://www.fairway.com/lo/jaime-williams-826285"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jaime-williams-826285"
    },
    {
      "rank": 24,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1634528,
        "slug": "brad-ellett-1634528",
        "full_name": "Brad Ellett",
        "canonical_url": "https://lendb.ai/lo/brad-ellett-1634528",
        "json_url": "https://lendb.ai/lo/brad-ellett-1634528.json",
        "lender": {
          "nmls_id": 141868,
          "name": "Ruoff Mortgage",
          "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868"
        },
        "branch": {
          "city": "La Porte",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "IL",
          "IN",
          "MI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 9,
        "lender_profile_url": "https://www.ruoff.com/BradEllett"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "2 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/brad-ellett-1634528"
    },
    {
      "rank": 25,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1876431,
        "slug": "dan-bergman-1876431",
        "full_name": "Dan Bergman",
        "canonical_url": "https://lendb.ai/lo/dan-bergman-1876431",
        "json_url": "https://lendb.ai/lo/dan-bergman-1876431.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Fishers",
          "state": "IN"
        },
        "licensed_states": [
          "IN"
        ],
        "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/in/fishers/dan-bergman-386-chdbe.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in IN (listed on lender page, verified 2026-10-09)",
        "Branch in Indiana",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/dan-bergman-1876431"
    }
  ]
}