{ "canonical_url": "https://lendb.ai/s/va/missouri", "summary": "As of 2026-10-09, LenDb lists 132 loan officers licensed in or based in Missouri whose lender pages show VA loan work. The top-ranked are Dino Herenda (Guild Mortgage, St Louis), Alona Hayes (Guild Mortgage, Lawton) and Gregory Tily (CrossCountry Mortgage, Tampa). Ranking is lender-neutral: specialty evidence first, then a license in MO, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "va", "state": "MO", "total": 132, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 236011, "slug": "dino-herenda-236011", "full_name": "Dino Herenda", "canonical_url": "https://lendb.ai/lo/dino-herenda-236011", "json_url": "https://lendb.ai/lo/dino-herenda-236011.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "St Louis", "state": "MO" }, "licensed_states": [ "MO" ], "licenses": [ { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/mo/stlouis/dino-herenda-401-cnih.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in St Louis, MO", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dino-herenda-236011", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/mo/stlouis/dino-herenda-401-cnih.html" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 180226, "slug": "alona-hayes-180226", "full_name": "Alona Hayes", "canonical_url": "https://lendb.ai/lo/alona-hayes-180226", "json_url": "https://lendb.ai/lo/alona-hayes-180226.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lawton", "state": "OK" }, "licensed_states": [ "CO", "AR", "KS", "MO", "OK", "TX" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ok/lawton/alona-hayes-674-apahay.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2020 (per Colorado records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alona-hayes-180226", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ok/lawton/alona-hayes-674-apahay.html" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 1720774, "slug": "gregory-tily-1720774", "full_name": "Gregory Tily", "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774", "json_url": "https://lendb.ai/lo/gregory-tily-1720774.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tampa", "state": "FL" }, "licensed_states": [ "FL", "CO", "AL", "AZ", "CA", "GA", "IN", "KS", "KY", "MA", "MD", "MN", "MO", "NC", "OH", "PA", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4694/gregory-tily/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/gregory-tily-1720774", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/tampa-fl-4694/gregory-tily/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 59.8, "loan_officer": { "nmls_id": 2701842, "slug": "cameron-gemoets-2701842", "full_name": "Cameron Gemoets", "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "json_url": "https://lendb.ai/lo/cameron-gemoets-2701842.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cleveland", "state": "OH" }, "licensed_states": [ "FL", "CA", "GA", "IL", "IN", "MN", "MO", "OH", "OK", "TN", "TX", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/cameron-gemoets-2701842", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/cleveland-oh-2131/cameron-gemoets/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 59.3, "loan_officer": { "nmls_id": 993397, "slug": "carla-marchetti-993397", "full_name": "Carla Marchetti", "canonical_url": "https://lendb.ai/lo/carla-marchetti-993397", "json_url": "https://lendb.ai/lo/carla-marchetti-993397.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "CO", "CA", "IL", "IN", "KS", "KY", "MO", "NE", "NV", "TX" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 19, "lender_profile_url": "https://branches.guildmortgage.com/ks/overlandpark/carla-marchetti-616-cncma.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 19 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/carla-marchetti-993397", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ks/overlandpark/carla-marchetti-616-cncma.html" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 58.3, "loan_officer": { "nmls_id": 210381, "slug": "craig-cusick-210381", "full_name": "Craig Cusick", "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "json_url": "https://lendb.ai/lo/craig-cusick-210381.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Phoenix", "state": "AZ" }, "licensed_states": [ "FL", "CO", "IN", "MO", "OH", "OR", "TN" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "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" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 17, "lender_profile_url": "https://www.fairway.com/lo/craig-cusick-210381", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/craig-cusick-210381", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/craig-cusick-210381" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 57.3, "loan_officer": { "nmls_id": 162320, "slug": "dawn-pemberton-162320", "full_name": "Dawn Rae Pemberton", "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320", "json_url": "https://lendb.ai/lo/dawn-pemberton-162320.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "GA", "IL", "KS", "KY", "LA", "MN", "MO", "NM", "OH", "OK", "PA", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.fairway.com/lo/dawn-pemberton-162320", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/dawn-pemberton-162320", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.fairway.com/lo/dawn-pemberton-162320" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 57.3, "loan_officer": { "nmls_id": 275381, "slug": "michael-e-vogt-275381", "full_name": "Michael E Vogt", "canonical_url": "https://lendb.ai/lo/michael-e-vogt-275381", "json_url": "https://lendb.ai/lo/michael-e-vogt-275381.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Swansea", "state": "IL" }, "licensed_states": [ "IL", "MO" ], "licenses": [ { "state": "IL", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "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" } ], "years_licensed": null, "licensed_since": null, "years_experience": 15, "lender_profile_url": "https://branches.guildmortgage.com/il/swansea/michael-vogt-768-cnmvo.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michael-e-vogt-275381", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/il/swansea/michael-vogt-768-cnmvo.html" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 57.3, "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", "type": "imb" }, "branch": { "city": "Lakewood", "state": "CO" }, "licensed_states": [ "AZ", "CO", "IN", "KS", "MO", "NM", "NV", "TX" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "CO" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2013 (per Colorado records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/darik-tolnay-521445", "license_check": { "state": "MO", "confidence": "lender_reported", "eligible": true, "label": "MO listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/lakewood-co-5139/darik-tolnay/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 56.8, "loan_officer": { "nmls_id": 997560, "slug": "tracey-radinovic-997560", "full_name": "Tracey Radinovic", "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560", "json_url": "https://lendb.ai/lo/tracey-radinovic-997560.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "licensed_states": [ "FL", "AR", "CA", "IL", "IN", "KS", "MO", "NJ", "NV", "OK", "SC", "TX", "VA" ], "licenses": [ { "state": "AR", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 14, "lender_profile_url": "https://www.fairway.com/lo/tracey-radinovic-997560", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "MO listed on their lender page (not yet checked with the state regulator; 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