{
  "canonical_url": "https://lendb.ai/s/va/oklahoma",
  "summary": "As of 2026-10-09, LenDb lists 88 loan officers licensed in or based in Oklahoma whose lender pages show VA loan work. The top-ranked are Alona Hayes (Guild Mortgage, Lawton), Kyrstin Zimmermann (CrossCountry Mortgage, Willow Park) and Bobbie Greenman (Guild Mortgage, San Antonio). Ranking is lender-neutral: specialty evidence first, then a license in OK, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "va",
  "state": "OK",
  "total": 88,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 62.8,
      "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)",
        "Office in Lawton, OK",
        "OK 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": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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": 2,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 307963,
        "slug": "aimee-zimmermann-307963",
        "full_name": "Kyrstin Zimmermann",
        "canonical_url": "https://lendb.ai/lo/aimee-zimmermann-307963",
        "json_url": "https://lendb.ai/lo/aimee-zimmermann-307963.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Willow Park",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "AR",
          "CO",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "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"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/willow-park-tx-4591/aimee-zimmermann/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/aimee-zimmermann-307963",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/willow-park-tx-4591/aimee-zimmermann/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 334493,
        "slug": "roberta-greenman-334493",
        "full_name": "Bobbie Greenman",
        "canonical_url": "https://lendb.ai/lo/roberta-greenman-334493",
        "json_url": "https://lendb.ai/lo/roberta-greenman-334493.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Antonio",
          "state": "TX"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/tx/sanantonio/bobbie-greenman-932-chrgr.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/roberta-greenman-334493",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/tx/sanantonio/bobbie-greenman-932-chrgr.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 368259,
        "slug": "jay-garvens-368259",
        "full_name": "Jay Garvens",
        "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
        "json_url": "https://lendb.ai/lo/jay-garvens-368259.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Colorado Springs",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "MO",
          "MT",
          "NM",
          "OK",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "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": 19,
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2007 (per Colorado records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-garvens-368259",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/jay-garvens"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "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)",
        "OK 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": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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": 6,
      "score": 59,
      "loan_officer": {
        "nmls_id": 399405,
        "slug": "devin-fahrner-399405",
        "full_name": "Devin Fahrner",
        "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405",
        "json_url": "https://lendb.ai/lo/devin-fahrner-399405.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eagle",
          "state": "ID"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AL",
          "AR",
          "AZ",
          "CA",
          "GA",
          "ID",
          "IL",
          "IN",
          "MT",
          "NV",
          "OK",
          "OR",
          "SD",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "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": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "CO"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/devin-fahrner",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Colorado records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/devin-fahrner"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 40312,
        "slug": "morgan-cowle-40312",
        "full_name": "Morgan Cowle",
        "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
        "json_url": "https://lendb.ai/lo/morgan-cowle-40312.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Brentwood",
          "state": "TN"
        },
        "licensed_states": [
          "FL",
          "CO",
          "PA",
          "AL",
          "AR",
          "CT",
          "IN",
          "KY",
          "MI",
          "OH",
          "OK",
          "TN",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 13,
        "licensed_since": {
          "year": 2013,
          "state": "CO"
        },
        "years_experience": 18,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2013 (per Colorado records)",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/morgan-cowle-40312",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/morgan-cowle"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 659544,
        "slug": "erika-alves-659544",
        "full_name": "Erika Alves",
        "canonical_url": "https://lendb.ai/lo/erika-alves-659544",
        "json_url": "https://lendb.ai/lo/erika-alves-659544.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",
          "AR",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "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"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "licensed_since": {
          "year": 2012,
          "state": "FL"
        },
        "years_experience": 18,
        "lender_profile_url": "https://crosscountrymortgage.com/tampa-fl-4600/erika-alves/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2012 (per Florida records)",
        "States 18 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/erika-alves-659544",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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-4600/erika-alves/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "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)",
        "OK 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": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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": 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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 14 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/tracey-radinovic-997560",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/tracey-radinovic-997560"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 11,
      "score": 56.8,
      "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",
          "CO",
          "PA",
          "AL",
          "AR",
          "AZ",
          "CA",
          "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",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 15,
        "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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 15 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/britainy-wilkerson-1137924",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://xperthomelending.com/loan-directory/britainy-wilkerson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 12,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 1306487,
        "slug": "mark-villano-1306487",
        "full_name": "Mark Villano",
        "canonical_url": "https://lendb.ai/lo/mark-villano-1306487",
        "json_url": "https://lendb.ai/lo/mark-villano-1306487.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lakewood",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MN",
          "MO",
          "MT",
          "NC",
          "NH",
          "NM",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "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": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "licensed_since": {
          "year": 2019,
          "state": "CO"
        },
        "years_experience": 12,
        "lender_profile_url": "https://crosscountrymortgage.com/lakewood-wa-5536/mark-villano/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2019 (per Colorado records)",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-villano-1306487",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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-wa-5536/mark-villano/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 13,
      "score": 55.3,
      "loan_officer": {
        "nmls_id": 199679,
        "slug": "lisa-cummings-199679",
        "full_name": "Lisa Cummings",
        "canonical_url": "https://lendb.ai/lo/lisa-cummings-199679",
        "json_url": "https://lendb.ai/lo/lisa-cummings-199679.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Albuquerque",
          "state": "NM"
        },
        "licensed_states": [
          "CO",
          "NM",
          "OK"
        ],
        "licenses": [
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 19,
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.fairway.com/lo/lisa-cummings-199679",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2007 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/lisa-cummings-199679",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/lisa-cummings-199679"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 14,
      "score": 54.3,
      "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"
        ],
        "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": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "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": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "licensed_since": {
          "year": 2017,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/dallas-tx-3365/jackson-thomas/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jackson-thomas-1190420",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/dallas-tx-3365/jackson-thomas/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 15,
      "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"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WV",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "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,
        "licensed_since": {
          "year": 2019,
          "state": "FL"
        },
        "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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2019 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/angela-turley-363066",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/angie-turley-363066"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 16,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1989144,
        "slug": "paul-stanley-1989144",
        "full_name": "Paul Stanley",
        "canonical_url": "https://lendb.ai/lo/paul-stanley-1989144",
        "json_url": "https://lendb.ai/lo/paul-stanley-1989144.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Edmond",
          "state": "OK"
        },
        "licensed_states": [
          "FL",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "licensed_since": {
          "year": 2026,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ok/edmond/paul-stanley-419-appst.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "Office in Edmond, OK",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2026 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/paul-stanley-1989144",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/edmond/paul-stanley-419-appst.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 17,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 93547,
        "slug": "darren-gill-93547",
        "full_name": "Darren Gill",
        "canonical_url": "https://lendb.ai/lo/darren-gill-93547",
        "json_url": "https://lendb.ai/lo/darren-gill-93547.json",
        "lender": {
          "nmls_id": 64997,
          "name": "GMFS Mortgage",
          "canonical_url": "https://lendb.ai/lender/gmfs-mortgage-64997",
          "type": "imb"
        },
        "branch": {
          "city": "Baton Rouge",
          "state": "LA"
        },
        "licensed_states": [
          "AL",
          "AR",
          "LA",
          "MS",
          "OK",
          "TX"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 9,
        "lender_profile_url": "https://gmfsmortgage.com/loan-officers/darren-gill/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/darren-gill-93547",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://gmfsmortgage.com/loan-officers/darren-gill/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 18,
      "score": 52.3,
      "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"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "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"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "CO"
        },
        "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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/patton-gade-1243024",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/scottsdale-az-4482/patton-gade/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "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"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "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"
          },
          {
            "state": "WY",
            "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": "CO"
        },
        "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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2021 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/jay-bunte-1957808",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/fort-worth-tx-4693/jay-bunte/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 20,
      "score": 52,
      "loan_officer": {
        "nmls_id": 649456,
        "slug": "lenae-vandegrift-649456",
        "full_name": "Lenae Vandegrift",
        "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
        "json_url": "https://lendb.ai/lo/lenae-vandegrift-649456.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Thornton",
          "state": "CO"
        },
        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "MI",
          "NM",
          "OK",
          "SC",
          "TX",
          "WI",
          "WY"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "licensed_since": {
          "year": 2016,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/lenae-vandegrift",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2016 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/lenae-vandegrift-649456",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/lenae-vandegrift"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 21,
      "score": 51.8,
      "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"
        ],
        "licenses": [
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DC",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "MA",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NH",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "SC",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "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": "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": 6,
        "licensed_since": {
          "year": 2020,
          "state": "FL"
        },
        "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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2020 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-workman-128183",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/charlotte-nc-3503/adam-workman/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 22,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 210839,
        "slug": "jason-smith-210839",
        "full_name": "Jason Smith",
        "canonical_url": "https://lendb.ai/lo/jason-smith-210839",
        "json_url": "https://lendb.ai/lo/jason-smith-210839.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",
          "AK",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "KY",
          "MO",
          "NE",
          "NM",
          "NV",
          "OK",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "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": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4661/jason-smith/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jason-smith-210839",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/scottsdale-az-4661/jason-smith/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 23,
      "score": 51.8,
      "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"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AL",
            "confidence": "lender_reported"
          },
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "SD",
            "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"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 19,
        "licensed_since": {
          "year": 2007,
          "state": "CO"
        },
        "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)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2007 (per Colorado records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/gavin-ekstrom-220170",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/greenwood-village-co-5107/gavin-ekstrom/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 24,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 974114,
        "slug": "jared-paul-974114",
        "full_name": "Jared Paul",
        "canonical_url": "https://lendb.ai/lo/jared-paul-974114",
        "json_url": "https://lendb.ai/lo/jared-paul-974114.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",
          "AL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "IL",
          "IN",
          "KY",
          "MD",
          "MI",
          "MT",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "TX",
          "WA"
        ],
        "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": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MD",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "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": 8,
        "licensed_since": {
          "year": 2018,
          "state": "CO"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4636/jared-paul/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Colorado records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jared-paul-974114",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/scottsdale-az-4636/jared-paul/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 25,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 2302283,
        "slug": "james-mcmurrey-2302283",
        "full_name": "James McMurrey",
        "canonical_url": "https://lendb.ai/lo/james-mcmurrey-2302283",
        "json_url": "https://lendb.ai/lo/james-mcmurrey-2302283.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",
          "CO",
          "AK",
          "AL",
          "AZ",
          "CA",
          "GA",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MI",
          "MN",
          "MT",
          "NC",
          "NM",
          "OH",
          "OK",
          "OR",
          "PA",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "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": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "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"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lacey-wa-4767/james-mcmurrey/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists VA loan on lender page (lender page, verified 2026-10-09)",
        "OK listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/james-mcmurrey-2302283",
      "license_check": {
        "state": "OK",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OK 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/lacey-wa-4767/james-mcmurrey/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "va"
      ],
      "unconfirmed_specialties": []
    }
  ]
}