{ "canonical_url": "https://lendb.ai/s/va/south-carolina", "summary": "As of 2026-10-10, LenDb lists 208 loan officers licensed in or based in South Carolina whose lender pages show VA loan work. The top-ranked are Dinky Warr (CrossCountry Mortgage, Lexington), Don Waters (Fairway Independent Mortgage Corporation, Clayton) and Bill Hylind (CrossCountry Mortgage, North Bethesda). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "va", "state": "SC", "total": 208, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 62, "loan_officer": { "nmls_id": 2353237, "slug": "dinky-warr-2353237", "full_name": "Dinky Warr", "canonical_url": "https://lendb.ai/lo/dinky-warr-2353237", "json_url": "https://lendb.ai/lo/dinky-warr-2353237.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lexington", "state": "SC" }, "licensed_states": [ "SC" ], "licenses": [ { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "itin", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/lexington-sc-4120/daniel-warr/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Lexington, SC", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dinky-warr-2353237", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/lexington-sc-4120/daniel-warr/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 82361, "slug": "donald-waters-82361", "full_name": "Don Waters", "canonical_url": "https://lendb.ai/lo/donald-waters-82361", "json_url": "https://lendb.ai/lo/donald-waters-82361.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Clayton", "state": "NC" }, "licensed_states": [ "FL", "IN", "KS", "KY", "MI", "NC", "OH", "PA", "SC", "TN", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 11, "licensed_since": { "year": 2015, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.fairway.com/lo/don-waters-82361", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2015 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/donald-waters-82361", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/don-waters-82361" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 284943, "slug": "william-hylind-284943", "full_name": "Bill Hylind", "canonical_url": "https://lendb.ai/lo/william-hylind-284943", "json_url": "https://lendb.ai/lo/william-hylind-284943.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "North Bethesda", "state": "MD" }, "licensed_states": [ "FL", "DC", "DE", "MD", "NC", "PA", "SC", "VA" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 24, "lender_profile_url": "https://crosscountrymortgage.com/north-bethesda-md-2716/william-hylind/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/william-hylind-284943", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/north-bethesda-md-2716/william-hylind/" }, "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)", "SC 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": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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": 715476, "slug": "melissa-kerbow-715476", "full_name": "Melissa Kerbow", "canonical_url": "https://lendb.ai/lo/melissa-kerbow-715476", "json_url": "https://lendb.ai/lo/melissa-kerbow-715476.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Madison", "state": "GA" }, "licensed_states": [ "AL", "SC" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.fairway.com/lo/melissa-kerbow-715476", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/melissa-kerbow-715476", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/melissa-kerbow-715476" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 59.8, "loan_officer": { "nmls_id": 880676, "slug": "kathleen-redman-880676", "full_name": "Kate Redman", "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676", "json_url": "https://lendb.ai/lo/kathleen-redman-880676.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Evans", "state": "GA" }, "licensed_states": [ "FL", "AL", "GA", "NC", "SC", "TN" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 8, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/evans-ga-3656/kathleen-redman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2018 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kathleen-redman-880676", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/evans-ga-3656/kathleen-redman/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 59.8, "loan_officer": { "nmls_id": 934863, "slug": "jason-inglish-934863", "full_name": "Jason Inglish", "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "json_url": "https://lendb.ai/lo/jason-inglish-934863.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Cumberland", "state": "MD" }, "licensed_states": [ "FL", "PA", "MD", "OH", "SC", "VA", "WV" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://alcova.com/loan-officer/jinglish/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jason-inglish-934863", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://alcova.com/loan-officer/jinglish/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 59.8, "loan_officer": { "nmls_id": 1737007, "slug": "karin-gagliano-1737007", "full_name": "Karin Gagliano", "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007", "json_url": "https://lendb.ai/lo/karin-gagliano-1737007.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Pittsford", "state": "NY" }, "licensed_states": [ "FL", "NY", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/pittsford-ny-4696/karin-gagliano/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/karin-gagliano-1737007", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/pittsford-ny-4696/karin-gagliano/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 59.8, "loan_officer": { "nmls_id": 2555076, "slug": "aaron-sanders-2555076", "full_name": "Aaron Sanders", "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "json_url": "https://lendb.ai/lo/aaron-sanders-2555076.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Delray Beach", "state": "FL" }, "licensed_states": [ "FL", "AL", "CA", "CT", "GA", "IA", "IL", "KS", "LA", "MA", "MD", "ME", "MI", "MS", "NC", "SC", "TX", "VA", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CT", "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": "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": "MS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "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": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/delray-beach-fl-5246/aaron-sanders/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/aaron-sanders-2555076", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC 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/delray-beach-fl-5246/aaron-sanders/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 59.5, "loan_officer": { "nmls_id": 989130, "slug": "kristi-farmer-989130", "full_name": "Kristi Kerns Farmer", "canonical_url": "https://lendb.ai/lo/kristi-farmer-989130", "json_url": "https://lendb.ai/lo/kristi-farmer-989130.json", "lender": { "nmls_id": 643114, "name": "Atlantic Coast Mortgage", "canonical_url": "https://lendb.ai/lender/atlantic-coast-mortgage-643114", "type": "imb" }, "branch": { "city": "Spartanburg", "state": "SC" }, "licensed_states": [ "FL", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "SC", "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": 28, "lender_profile_url": "https://www.atlanticcoastmortgage.com/lo/kristi-farmer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Spartanburg, SC", "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kristi-farmer-989130", "license_check": { "state": "SC", "confidence": "lender_reported", "eligible": true, "label": "SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.atlanticcoastmortgage.com/lo/kristi-farmer/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 59.3, "loan_officer": { "nmls_id": 229643, "slug": "cori-drudge-229643", "full_name": "Cori Drudge", "canonical_url": "https://lendb.ai/lo/cori-drudge-229643", "json_url": "https://lendb.ai/lo/cori-drudge-229643.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": "Fishers", "state": "IN" }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "SC", "VA" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 27, "lender_profile_url": "https://www.ruoff.com/CoriDrudge", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "SC listed on their lender page (not yet checked with the state regulator; 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