{
  "canonical_url": "https://lendb.ai/s/va/north-dakota",
  "summary": "As of 2026-10-09, LenDb lists 30 loan officers licensed in or based in North Dakota whose lender pages show VA loan work. The top-ranked are Angie Turley (Fairway Independent Mortgage Corporation, Mooresville), Jay Bunte (CrossCountry Mortgage, Fort Worth) and Habib Sadaka (CrossCountry Mortgage, Mankato). Ranking is lender-neutral: specialty evidence first, then a license in ND, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "ND",
  "total": 30,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 363066,
        "slug": "angela-turley-363066",
        "full_name": "Angie Turley",
        "canonical_url": "https://lendb.ai/lo/angela-turley-363066",
        "json_url": "https://lendb.ai/lo/angela-turley-363066.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Mooresville",
          "state": "IN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CO",
          "IA",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "SC",
          "SD",
          "TN",
          "VA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/angie-turley-363066",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "7 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/angela-turley-363066"
    },
    {
      "rank": 2,
      "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/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-bunte-1957808"
    },
    {
      "rank": 3,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 339526,
        "slug": "habib-sadaka-339526",
        "full_name": "Habib Sadaka",
        "canonical_url": "https://lendb.ai/lo/habib-sadaka-339526",
        "json_url": "https://lendb.ai/lo/habib-sadaka-339526.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Mankato",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "IA",
          "MN",
          "ND",
          "NE",
          "SD",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/mankato-mn-4223/habib-sadaka/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "4 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/habib-sadaka-339526"
    },
    {
      "rank": 4,
      "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",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "12 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kristina-hayes-1057175"
    },
    {
      "rank": 5,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 1243024,
        "slug": "patton-gade-1243024",
        "full_name": "Patton Gade",
        "canonical_url": "https://lendb.ai/lo/patton-gade-1243024",
        "json_url": "https://lendb.ai/lo/patton-gade-1243024.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4482/patton-gade/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "4 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/patton-gade-1243024"
    },
    {
      "rank": 6,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 60099,
        "slug": "michael-murgatroy-60099",
        "full_name": "Michael Murgatroy",
        "canonical_url": "https://lendb.ai/lo/michael-murgatroy-60099",
        "json_url": "https://lendb.ai/lo/michael-murgatroy-60099.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Delray Beach",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 15,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-8294/michael-murgatroy/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "15 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michael-murgatroy-60099"
    },
    {
      "rank": 7,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 176620,
        "slug": "chuck-butterfield-176620",
        "full_name": "Chuck Butterfield",
        "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620",
        "json_url": "https://lendb.ai/lo/chuck-butterfield-176620.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "IA",
          "IL",
          "IN",
          "KY",
          "MA",
          "MN",
          "ND",
          "NH",
          "OH",
          "OK",
          "PA",
          "SD",
          "TX",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/chuck-butterfield",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "22 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/chuck-butterfield-176620"
    },
    {
      "rank": 8,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 137164,
        "slug": "michelle-bobart-137164",
        "full_name": "Michelle Bobart",
        "canonical_url": "https://lendb.ai/lo/michelle-bobart-137164",
        "json_url": "https://lendb.ai/lo/michelle-bobart-137164.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Chicago",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "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",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3590/michelle-bobart/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "13 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-bobart-137164"
    },
    {
      "rank": 9,
      "score": 48.3,
      "loan_officer": {
        "nmls_id": 2539676,
        "slug": "william-roberts-2539676",
        "full_name": "Will Roberts",
        "canonical_url": "https://lendb.ai/lo/william-roberts-2539676",
        "json_url": "https://lendb.ai/lo/william-roberts-2539676.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Melville",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/melville-ny-4695/william-roberts/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/william-roberts-2539676"
    },
    {
      "rank": 10,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 400390,
        "slug": "stefanie-gilbert-400390",
        "full_name": "Stefanie Gilbert",
        "canonical_url": "https://lendb.ai/lo/stefanie-gilbert-400390",
        "json_url": "https://lendb.ai/lo/stefanie-gilbert-400390.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Sheridan",
          "state": "WY"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "IA",
          "ID",
          "IL",
          "MN",
          "MT",
          "NC",
          "ND",
          "NE",
          "SD",
          "TN",
          "TX",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/sheridan-wy-5231/stefanie-gilbert/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "15 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/stefanie-gilbert-400390"
    },
    {
      "rank": 11,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 686529,
        "slug": "daniel-gjeldum-686529",
        "full_name": "Dan Gjeldum",
        "canonical_url": "https://lendb.ai/lo/daniel-gjeldum-686529",
        "json_url": "https://lendb.ai/lo/daniel-gjeldum-686529.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Hinsdale",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NY",
          "OH",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/hinsdale-il-5090/daniel-gjeldum/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "12 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/daniel-gjeldum-686529"
    },
    {
      "rank": 12,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 900558,
        "slug": "domonique-gray-900558",
        "full_name": "Domonique Gray",
        "canonical_url": "https://lendb.ai/lo/domonique-gray-900558",
        "json_url": "https://lendb.ai/lo/domonique-gray-900558.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "VT",
          "WA",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 30,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/domonique-gray",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/domonique-gray-900558"
    },
    {
      "rank": 13,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 118253,
        "slug": "matthew-goodrich-118253",
        "full_name": "Matt Goodrich",
        "canonical_url": "https://lendb.ai/lo/matthew-goodrich-118253",
        "json_url": "https://lendb.ai/lo/matthew-goodrich-118253.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Columbus",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "GA",
          "IL",
          "IN",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "ND",
          "OH",
          "OR",
          "PA",
          "SC",
          "TN",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/columbus-oh-5316/matthew-scott-goodrich/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-goodrich-118253"
    },
    {
      "rank": 14,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 220170,
        "slug": "gavin-ekstrom-220170",
        "full_name": "Gavin Ekstrom",
        "canonical_url": "https://lendb.ai/lo/gavin-ekstrom-220170",
        "json_url": "https://lendb.ai/lo/gavin-ekstrom-220170.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Greenwood Village",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "ME",
          "MN",
          "MO",
          "NC",
          "ND",
          "NE",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/greenwood-village-co-5107/gavin-ekstrom/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/gavin-ekstrom-220170"
    },
    {
      "rank": 15,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 256481,
        "slug": "coley-rau-256481",
        "full_name": "Coley Rau",
        "canonical_url": "https://lendb.ai/lo/coley-rau-256481",
        "json_url": "https://lendb.ai/lo/coley-rau-256481.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bryan",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NJ",
          "OH",
          "SC",
          "SD",
          "TN",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "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": 9,
        "years_experience": 21,
        "lender_profile_url": "https://crosscountrymortgage.com/bryan-oh-2035/coley-rau/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/coley-rau-256481"
    },
    {
      "rank": 16,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 232220,
        "slug": "jason-cota-232220",
        "full_name": "Jason Cota",
        "canonical_url": "https://lendb.ai/lo/jason-cota-232220",
        "json_url": "https://lendb.ai/lo/jason-cota-232220.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Winter Park",
          "state": "FL"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "NC",
          "ND",
          "NH",
          "NV",
          "OH",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 17,
        "lender_profile_url": "https://crosscountrymortgage.com/winter-park-fl-8269/jason-cota/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-cota-232220"
    },
    {
      "rank": 17,
      "score": 45.8,
      "loan_officer": {
        "nmls_id": 409653,
        "slug": "andrew-riemenschneider-409653",
        "full_name": "Andy Riemenschneider",
        "canonical_url": "https://lendb.ai/lo/andrew-riemenschneider-409653",
        "json_url": "https://lendb.ai/lo/andrew-riemenschneider-409653.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Stillwater",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CO",
          "IL",
          "MN",
          "ND",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 15,
        "lender_profile_url": "https://crosscountrymortgage.com/stillwater-mn-4287/andrew-riemenschneider/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/andrew-riemenschneider-409653"
    },
    {
      "rank": 18,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 1031805,
        "slug": "donald-williams-1031805",
        "full_name": "Don Williams",
        "canonical_url": "https://lendb.ai/lo/donald-williams-1031805",
        "json_url": "https://lendb.ai/lo/donald-williams-1031805.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",
          "AZ",
          "CA",
          "GA",
          "IA",
          "IL",
          "IN",
          "MT",
          "ND",
          "OH",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/donald-williams/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/donald-williams-1031805"
    },
    {
      "rank": 19,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 203687,
        "slug": "stephen-currington-203687",
        "full_name": "Steve Currington",
        "canonical_url": "https://lendb.ai/lo/stephen-currington-203687",
        "json_url": "https://lendb.ai/lo/stephen-currington-203687.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Tulsa",
          "state": "OK"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IN",
          "KS",
          "KY",
          "LA",
          "MI",
          "MO",
          "MS",
          "NC",
          "ND",
          "NV",
          "OH",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/tulsa-ok-4409/stephen-currington/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "7 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/stephen-currington-203687"
    },
    {
      "rank": 20,
      "score": 44.5,
      "loan_officer": {
        "nmls_id": 1408507,
        "slug": "joseph-costanzo-1408507",
        "full_name": "Joseph Costanzo",
        "canonical_url": "https://lendb.ai/lo/joseph-costanzo-1408507",
        "json_url": "https://lendb.ai/lo/joseph-costanzo-1408507.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": [
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "IA",
          "IL",
          "IN",
          "KY",
          "LA",
          "ME",
          "ND",
          "NV",
          "OH",
          "OR",
          "PA",
          "SD",
          "TN",
          "UT",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2036/joseph-costanzo/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "7 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/joseph-costanzo-1408507"
    },
    {
      "rank": 21,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 128183,
        "slug": "adam-workman-128183",
        "full_name": "Adam Workman",
        "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
        "json_url": "https://lendb.ai/lo/adam-workman-128183.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Charlotte",
          "state": "NC"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/charlotte-nc-3503/adam-workman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183"
    },
    {
      "rank": 22,
      "score": 44.3,
      "loan_officer": {
        "nmls_id": 1092898,
        "slug": "kyle-johnson-1092898",
        "full_name": "Kyle Johnson",
        "canonical_url": "https://lendb.ai/lo/kyle-johnson-1092898",
        "json_url": "https://lendb.ai/lo/kyle-johnson-1092898.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lacey",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "NC",
          "ND",
          "NE",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lacey-wa-5540/kyle-johnson/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/kyle-johnson-1092898"
    },
    {
      "rank": 23,
      "score": 43.5,
      "loan_officer": {
        "nmls_id": 400959,
        "slug": "aaron-reznechek-400959",
        "full_name": "Aaron Reznechek",
        "canonical_url": "https://lendb.ai/lo/aaron-reznechek-400959",
        "json_url": "https://lendb.ai/lo/aaron-reznechek-400959.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Bloomington",
          "state": "MN"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "MN",
          "ND",
          "SD",
          "TX",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/bloomington-mn-4216/aaron-reznechek/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "5 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/aaron-reznechek-400959"
    },
    {
      "rank": 24,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 114080,
        "slug": "arthur-buhrer-114080",
        "full_name": "Arthur Buhrer",
        "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080",
        "json_url": "https://lendb.ai/lo/arthur-buhrer-114080.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Sequim",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "MO",
          "MT",
          "NC",
          "ND",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/sequim-wa-5532/arthur-buhrer/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080"
    },
    {
      "rank": 25,
      "score": 42.3,
      "loan_officer": {
        "nmls_id": 1137924,
        "slug": "britainy-wilkerson-1137924",
        "full_name": "Britainy Wilkerson",
        "canonical_url": "https://lendb.ai/lo/britainy-wilkerson-1137924",
        "json_url": "https://lendb.ai/lo/britainy-wilkerson-1137924.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MD",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/britainy-wilkerson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ND (listed on lender page, verified 2026-10-09)",
        "2 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/britainy-wilkerson-1137924"
    }
  ]
}