{ "canonical_url": "https://lendb.ai/s/vacation-home/florida", "summary": "As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Florida whose lender pages show Vacation home work. The top-ranked are Daniel Patrick Nacarato (Barrett Financial Group, Chandler), Joanna White (Union Home Mortgage, Arlington Heights) and Josh Penland (Fairway Independent Mortgage Corporation, Round Rock). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "vacation-home", "state": "FL", "total": 25, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 247584, "slug": "daniel-nacarato-247584", "full_name": "Daniel Patrick Nacarato", "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "json_url": "https://lendb.ai/lo/daniel-nacarato-247584.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "FL", "CO", "CA", "NV", "OR" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "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": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://www.barrettfinancial.com/dnacarato", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO144059), verified 2026-10-09", "Licensed since 2021 (per Colorado records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO144059), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 62.8, "loan_officer": { "nmls_id": 404853, "slug": "joanna-white-404853", "full_name": "Joanna White", "canonical_url": "https://lendb.ai/lo/joanna-white-404853", "json_url": "https://lendb.ai/lo/joanna-white-404853.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Arlington Heights", "state": "IL" }, "licensed_states": [ "FL", "IL", "IN", "MO", "WI" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 24, "lender_profile_url": "https://www.uhm.com/loan-officers/joanna-white/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO88677), verified 2026-10-09", "Licensed since 2021 (per Florida records)", "States 24 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joanna-white-404853", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO88677), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 60.8, "loan_officer": { "nmls_id": 216357, "slug": "joshua-penland-216357", "full_name": "Josh Penland", "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "json_url": "https://lendb.ai/lo/joshua-penland-216357.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Round Rock", "state": "TX" }, "licensed_states": [ "FL", "CO", "KS", "NC", "NM", "TN" ], "licenses": [ { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 23, "lender_profile_url": "https://www.fairway.com/lo/josh-penland-216357", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO142805), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO142805), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 59.3, "loan_officer": { "nmls_id": 279665, "slug": "sheri-watkins-279665", "full_name": "Sheri Watkins", "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "json_url": "https://lendb.ai/lo/sheri-watkins-279665.json", "lender": { "nmls_id": 141868, "name": "Ruoff Mortgage", "canonical_url": "https://lendb.ai/lender/ruoff-mortgage-141868", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "IL", "IN", "KY", "MI", "OH", "TN", "TX" ], "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": "TN", "confidence": "lender_reported" }, { "state": "TX", "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": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://www.ruoff.com/SheriWatkins", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO63250), verified 2026-10-09", "Licensed since 2019 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO63250), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 58.3, "loan_officer": { "nmls_id": 525089, "slug": "jessica-ochoa-525089", "full_name": "Jessica Ochoa", "canonical_url": "https://lendb.ai/lo/jessica-ochoa-525089", "json_url": "https://lendb.ai/lo/jessica-ochoa-525089.json", "lender": { "nmls_id": 2289, "name": "Fairway Independent Mortgage Corporation", "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289", "type": "imb" }, "branch": { "city": "Richmond Hill", "state": "GA" }, "licensed_states": [ "FL", "AL", "NC", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://www.fairway.com/lo/jessica-ochoa-525089", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO40106), verified 2026-10-09", "Licensed since 2017 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jessica-ochoa-525089", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO40106), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 55.3, "loan_officer": { "nmls_id": 518359, "slug": "amber-garofalo-518359", "full_name": "Amber Garofalo", "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359", "json_url": "https://lendb.ai/lo/amber-garofalo-518359.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "White Bear Lake", "state": "MN" }, "licensed_states": [ "FL", "CO", "MN", "WI" ], "licenses": [ { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/white-bear-lake-mn-4237/amber-garofalo/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO94102), verified 2026-10-09", "Licensed since 2021 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/amber-garofalo-518359", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO94102), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 55, "loan_officer": { "nmls_id": 202420, "slug": "tiffany-lewis-202420", "full_name": "Tiffany L Lewis", "canonical_url": "https://lendb.ai/lo/tiffany-lewis-202420", "json_url": "https://lendb.ai/lo/tiffany-lewis-202420.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Lutz", "state": "FL" }, "licensed_states": [ "FL" ], "licenses": [ { "state": "FL", "confidence": "confirmed" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/fl/lutz/23434-sr-54-hla-202420", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Lutz, FL", "Licensed in FL: confirmed with the Florida regulator (license LO11599), verified 2026-10-09", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/tiffany-lewis-202420", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO11599), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 54.8, "loan_officer": { "nmls_id": 204443, "slug": "ronald-haddad-204443", "full_name": "Ron Haddad", "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "json_url": "https://lendb.ai/lo/ronald-haddad-204443.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Arlington Heights", "state": "IL" }, "licensed_states": [ "FL", "AZ", "IL", "IN", "MI", "NC", "VA", "WI" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.uhm.com/loan-officers/ron-haddad/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO116001), verified 2026-10-09", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO116001), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 54.8, "loan_officer": { "nmls_id": 528786, "slug": "jacqueline-allen-528786", "full_name": "Jacqueline Allen", "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786", "json_url": "https://lendb.ai/lo/jacqueline-allen-528786.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "El Segundo", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA", "ID", "OR", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/el-segundo-ca-8089/jacqueline-allen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO91410), verified 2026-10-09", "Licensed since 2021 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO91410), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 54.8, "loan_officer": { "nmls_id": 562713, "slug": "kylie-miller-562713", "full_name": "Kylie Miller", "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "json_url": "https://lendb.ai/lo/kylie-miller-562713.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Beavercreek", "state": "OH" }, "licensed_states": [ "FL", "GA", "IL", "IN", "KY", "MI", "OH", "TN", "WA" ], "licenses": [ { "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": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/beavercreek-oh-2119/kylie-miller/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO143520), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kylie-miller-562713", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO143520), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 54.3, "loan_officer": { "nmls_id": 2121317, "slug": "james-burton-2121317", "full_name": "James Burton", "canonical_url": "https://lendb.ai/lo/james-burton-2121317", "json_url": "https://lendb.ai/lo/james-burton-2121317.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Mt Pleasant", "state": "SC" }, "licensed_states": [ "FL", "GA", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.southerntrust.com/james-burton/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO116336), verified 2026-10-09", "Licensed since 2023 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/james-burton-2121317", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator 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on lender page (lender page, verified 2026-10-09)", "Licensed in FL: confirmed with the Florida regulator (license LO134450), verified 2026-10-09", "Licensed since 2025 (per Florida records)", "States 34 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kenneth-byrne-187129", "license_check": { "state": "FL", "confidence": "confirmed", "eligible": true, "label": "Licensed in FL: confirmed with the Florida regulator (license LO134450), verified 2026-10-09", "verified_at": "2026-10-09", "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 50.8, "loan_officer": { "nmls_id": 2315456, "slug": "marianna-gabriel-2315456", "full_name": "Marianna Gabriel", "canonical_url": "https://lendb.ai/lo/marianna-gabriel-2315456", "json_url": "https://lendb.ai/lo/marianna-gabriel-2315456.json", "lender": { 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