{
  "canonical_url": "https://lendb.ai/s/va/massachusetts",
  "summary": "As of 2026-10-09, LenDb lists 124 loan officers licensed in or based in Massachusetts whose lender pages show VA loan work. The top-ranked are Fred Damore (Fairway Independent Mortgage Corporation, Methuen), Joe Smith (CrossCountry Mortgage, Boston) and Joe Lombardo (Guild Mortgage, Reading). Ranking is lender-neutral: specialty evidence first, then a license in MA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "MA",
  "total": 124,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "loan_officer": {
        "nmls_id": 4395,
        "slug": "fred-damore-4395",
        "full_name": "Fred Damore",
        "canonical_url": "https://lendb.ai/lo/fred-damore-4395",
        "json_url": "https://lendb.ai/lo/fred-damore-4395.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Methuen",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "ME",
          "NH",
          "VT"
        ],
        "languages": [],
        "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": "reverse",
            "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://www.fairway.com/lo/fred-damore-4395"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/fred-damore-4395"
    },
    {
      "rank": 2,
      "score": 61.8,
      "loan_officer": {
        "nmls_id": 481139,
        "slug": "joseph-smith-481139",
        "full_name": "Joe Smith",
        "canonical_url": "https://lendb.ai/lo/joseph-smith-481139",
        "json_url": "https://lendb.ai/lo/joseph-smith-481139.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Boston",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "CT",
          "MA",
          "ME",
          "NH",
          "RI",
          "VT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/boston-ma-4853/joseph-smith/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-smith-481139"
    },
    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 84881,
        "slug": "joe-lombardo-84881",
        "full_name": "Joe Lombardo",
        "canonical_url": "https://lendb.ai/lo/joe-lombardo-84881",
        "json_url": "https://lendb.ai/lo/joe-lombardo-84881.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Reading",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/reading/joe-lombardo-710-rgjlo.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-lombardo-84881"
    },
    {
      "rank": 4,
      "score": 57.3,
      "loan_officer": {
        "nmls_id": 2050805,
        "slug": "natalie-malinowski-2050805",
        "full_name": "Natalie Malinowski",
        "canonical_url": "https://lendb.ai/lo/natalie-malinowski-2050805",
        "json_url": "https://lendb.ai/lo/natalie-malinowski-2050805.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Topsfield",
          "state": "MA"
        },
        "licensed_states": [
          "CT",
          "MA",
          "ME",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/topsfield-ma-4849/natalie-malinowski/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/natalie-malinowski-2050805"
    },
    {
      "rank": 5,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 256163,
        "slug": "scott-evans-256163",
        "full_name": "Scott Evans",
        "canonical_url": "https://lendb.ai/lo/scott-evans-256163",
        "json_url": "https://lendb.ai/lo/scott-evans-256163.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DC",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-4018/scott-evans/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (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": 6,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 848400,
        "slug": "susan-howe-848400",
        "full_name": "Susan Howe",
        "canonical_url": "https://lendb.ai/lo/susan-howe-848400",
        "json_url": "https://lendb.ai/lo/susan-howe-848400.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Foxboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "IA",
          "LA",
          "MA",
          "MD",
          "NC",
          "NH",
          "NY",
          "PA",
          "RI",
          "SC"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 25,
        "lender_profile_url": "https://www.fairway.com/lo/susan-howe-848400"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-howe-848400"
    },
    {
      "rank": 7,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 2304332,
        "slug": "bianca-cannatella-2304332",
        "full_name": "Bianca Cannatella",
        "canonical_url": "https://lendb.ai/lo/bianca-cannatella-2304332",
        "json_url": "https://lendb.ai/lo/bianca-cannatella-2304332.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Peabody",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/peabody-ma-4822/bianca-cannatella/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "1 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bianca-cannatella-2304332"
    },
    {
      "rank": 8,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 18950,
        "slug": "paula-harris-18950",
        "full_name": "Paula Harris",
        "canonical_url": "https://lendb.ai/lo/paula-harris-18950",
        "json_url": "https://lendb.ai/lo/paula-harris-18950.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 35,
        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4805/paula-harris/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "35 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/paula-harris-18950"
    },
    {
      "rank": 9,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 50076,
        "slug": "kathy-vasel-50076",
        "full_name": "Kathy Vasel",
        "canonical_url": "https://lendb.ai/lo/kathy-vasel-50076",
        "json_url": "https://lendb.ai/lo/kathy-vasel-50076.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Andover",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/andover-ma-4827/katherine-vasel/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kathy-vasel-50076"
    },
    {
      "rank": 10,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 2613437,
        "slug": "kerry-casey-2613437",
        "full_name": "Kerry Casey",
        "canonical_url": "https://lendb.ai/lo/kerry-casey-2613437",
        "json_url": "https://lendb.ai/lo/kerry-casey-2613437.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
          "state": "MA"
        },
        "licensed_states": [
          "CA",
          "CT",
          "MA",
          "ME",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4802/kerry-casey/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kerry-casey-2613437"
    },
    {
      "rank": 11,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 48834,
        "slug": "joseph-galvin-48834",
        "full_name": "Joe Galvin",
        "canonical_url": "https://lendb.ai/lo/joseph-galvin-48834",
        "json_url": "https://lendb.ai/lo/joseph-galvin-48834.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Andover",
          "state": "MA"
        },
        "licensed_states": [
          "MA",
          "ME",
          "NH"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 25,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joe-galvin-48834"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "8 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-galvin-48834"
    },
    {
      "rank": 12,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 105723,
        "slug": "leonid-liss-105723",
        "full_name": "Leon Liss",
        "canonical_url": "https://lendb.ai/lo/leonid-liss-105723",
        "json_url": "https://lendb.ai/lo/leonid-liss-105723.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/leonid-liss/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/leonid-liss-105723"
    },
    {
      "rank": 13,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 133559,
        "slug": "steven-hochrein-133559",
        "full_name": "Steven Hochrein",
        "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559",
        "json_url": "https://lendb.ai/lo/steven-hochrein-133559.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Columbia",
          "state": "MD"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 14,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/steve-hochrein/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/steven-hochrein-133559"
    },
    {
      "rank": 14,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 121204,
        "slug": "david-gambogi-121204",
        "full_name": "Dave Gambogi",
        "canonical_url": "https://lendb.ai/lo/david-gambogi-121204",
        "json_url": "https://lendb.ai/lo/david-gambogi-121204.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "MA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": 31,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/dave-gambogi/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "14 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/david-gambogi-121204"
    },
    {
      "rank": 15,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 3961,
        "slug": "anthony-raby-3961",
        "full_name": "Tony Raby",
        "canonical_url": "https://lendb.ai/lo/anthony-raby-3961",
        "json_url": "https://lendb.ai/lo/anthony-raby-3961.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Attleboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/tony-raby-112-rgara.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/anthony-raby-3961"
    },
    {
      "rank": 16,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 14174,
        "slug": "jonathan-libman-14174",
        "full_name": "Jon Libman",
        "canonical_url": "https://lendb.ai/lo/jonathan-libman-14174",
        "json_url": "https://lendb.ai/lo/jonathan-libman-14174.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "North Attleboro",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "MA",
          "NH",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 19,
        "lender_profile_url": "https://branches.guildmortgage.com/ma/northattleboro/jon-libman-112-rgjlib.html"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jonathan-libman-14174"
    },
    {
      "rank": 17,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 20421,
        "slug": "michael-nadeau-20421",
        "full_name": "Mike Nadeau",
        "canonical_url": "https://lendb.ai/lo/michael-nadeau-20421",
        "json_url": "https://lendb.ai/lo/michael-nadeau-20421.json",
        "lender": {
          "nmls_id": 71603,
          "name": "First Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603",
          "type": "imb"
        },
        "branch": {
          "city": "Seekonk",
          "state": "MA"
        },
        "licensed_states": [
          "FL",
          "CT",
          "MA",
          "RI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://firsthome.com/loan-officers/mike-nadeau/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-nadeau-20421"
    },
    {
      "rank": 18,
      "score": 52.3,
      "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4694/gregory-tily/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774"
    },
    {
      "rank": 19,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 1957808,
        "slug": "jay-bunte-1957808",
        "full_name": "Jay Bunte",
        "canonical_url": "https://lendb.ai/lo/jay-bunte-1957808",
        "json_url": "https://lendb.ai/lo/jay-bunte-1957808.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Worth",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/fort-worth-tx-4693/jay-bunte/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-bunte-1957808"
    },
    {
      "rank": 20,
      "score": 52,
      "loan_officer": {
        "nmls_id": 190409,
        "slug": "lori-jule-190409",
        "full_name": "Lori Jule",
        "canonical_url": "https://lendb.ai/lo/lori-jule-190409",
        "json_url": "https://lendb.ai/lo/lori-jule-190409.json",
        "lender": {
          "nmls_id": 643114,
          "name": "Atlantic Coast Mortgage",
          "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114",
          "type": "imb"
        },
        "branch": {
          "city": "Fairfax",
          "state": "VA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CT",
          "DC",
          "DE",
          "GA",
          "ID",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "NC",
          "NE",
          "NH",
          "NJ",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "VT",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": 20,
        "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/lori-jule/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "15 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/lori-jule-190409"
    },
    {
      "rank": 21,
      "score": 51.8,
      "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"
        ],
        "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,
        "years_experience": 40,
        "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-3744/susan-mcgrath/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-mcgrath-366451"
    },
    {
      "rank": 22,
      "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",
          "type": "imb"
        },
        "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 MA (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": 23,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1190420,
        "slug": "jackson-thomas-1190420",
        "full_name": "Jackson Thomas",
        "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420",
        "json_url": "https://lendb.ai/lo/jackson-thomas-1190420.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Dallas",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "KS",
          "LA",
          "MA",
          "MI",
          "MO",
          "MS",
          "NC",
          "NE",
          "NM",
          "NV",
          "OK",
          "OR",
          "SC",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3365/jackson-thomas/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "4 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420"
    },
    {
      "rank": 24,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 196322,
        "slug": "robert-joyce-196322",
        "full_name": "Bob Joyce",
        "canonical_url": "https://lendb.ai/lo/robert-joyce-196322",
        "json_url": "https://lendb.ai/lo/robert-joyce-196322.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Beverly",
          "state": "MA"
        },
        "licensed_states": [
          "CT",
          "MA",
          "ME",
          "NH",
          "RI"
        ],
        "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": null,
        "lender_profile_url": "https://crosscountrymortgage.com/beverly-ma-4802/robert-joyce/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "Branch in Massachusetts",
        "9 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/robert-joyce-196322"
    },
    {
      "rank": 25,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 810360,
        "slug": "marc-rosenberg-810360",
        "full_name": "Marc Rosenberg",
        "canonical_url": "https://lendb.ai/lo/marc-rosenberg-810360",
        "json_url": "https://lendb.ai/lo/marc-rosenberg-810360.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Fort Washington",
          "state": "PA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "MA",
          "CO",
          "PA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "years_experience": null,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/marc-rosenberg/"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in MA (listed on lender page, verified 2026-10-09)",
        "11 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/marc-rosenberg-810360"
    }
  ]
}