{
  "canonical_url": "https://lendb.ai/s/vacation-home/illinois",
  "summary": "As of 2026-10-09, LenDb lists 49 loan officers licensed in or based in Illinois whose lender pages show Vacation home work. The top-ranked are Joanna White (Union Home Mortgage, Arlington Heights), Sheri Watkins (Ruoff Mortgage) and Ron Haddad (Union Home Mortgage, Arlington Heights). Ranking is lender-neutral: specialty evidence first, then a license in IL, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "vacation-home",
  "state": "IL",
  "total": 49,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "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": null,
        "earliest_license_record": {
          "date": "2021-06-02",
          "state": "FL"
        },
        "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)",
        "Office in Arlington Heights, IL",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: June 2, 2021 (Florida), per state regulator",
        "States 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joanna-white-404853",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/joanna-white/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 56.3,
      "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": null,
        "earliest_license_record": {
          "date": "2019-08-07",
          "state": "FL"
        },
        "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)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: August 7, 2019 (Florida), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sheri-watkins-279665",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.ruoff.com/SheriWatkins"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "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": null,
        "earliest_license_record": {
          "date": "2022-12-16",
          "state": "FL"
        },
        "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)",
        "Office in Arlington Heights, IL",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 16, 2022 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/ronald-haddad-204443",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/ron-haddad/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 52.5,
      "loan_officer": {
        "nmls_id": 228680,
        "slug": "kurt-lorenzen-228680",
        "full_name": "Kurt Lorenzen",
        "canonical_url": "https://lendb.ai/lo/kurt-lorenzen-228680",
        "json_url": "https://lendb.ai/lo/kurt-lorenzen-228680.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Highland Park",
          "state": "IL"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 22,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/highland-park/513-central-ave-hla-228680",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Office in Highland Park, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kurt-lorenzen-228680",
      "license_check": {
        "state": "IL",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 51.8,
      "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": null,
        "earliest_license_record": {
          "date": "2025-12-16",
          "state": "FL"
        },
        "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)",
        "IL listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: December 16, 2025 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kylie-miller-562713",
      "license_check": {
        "state": "IL",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "IL 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/beavercreek-oh-2119/kylie-miller/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 444491,
        "slug": "adam-hengesbaugh-444491",
        "full_name": "Adam Hengesbaugh",
        "canonical_url": "https://lendb.ai/lo/adam-hengesbaugh-444491",
        "json_url": "https://lendb.ai/lo/adam-hengesbaugh-444491.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Winnetka",
          "state": "IL"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "co-op",
            "evidence": "lender_page_text"
          },
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/winnetka/791-elm-st-hla-444491",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Office in Winnetka, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-hengesbaugh-444491",
      "license_check": {
        "state": "IL",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 612521,
        "slug": "bethann-ericson-612521",
        "full_name": "BethAnn Ericson",
        "canonical_url": "https://lendb.ai/lo/bethann-ericson-612521",
        "json_url": "https://lendb.ai/lo/bethann-ericson-612521.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Vernon Hills",
          "state": "IL"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/vernon-hills/1840-n-milwaukee-ave-hla-612521",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Office in Vernon Hills, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/bethann-ericson-612521",
      "license_check": {
        "state": "IL",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 50,
      "loan_officer": {
        "nmls_id": 1948626,
        "slug": "ruslan-raskin-1948626",
        "full_name": "Ruslan Raskin",
        "canonical_url": "https://lendb.ai/lo/ruslan-raskin-1948626",
        "json_url": "https://lendb.ai/lo/ruslan-raskin-1948626.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798",
          "type": "bank"
        },
        "branch": {
          "city": "Lake Forest",
          "state": "IL"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "ru"
        ],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://homelendingadvisor.chase.com/il/lake-forest/300-e-illinois-rd-hla-1948626",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
        "Office in Lake Forest, IL",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
      "canonical_url": "https://lendb.ai/lo/ruslan-raskin-1948626",
      "license_check": {
        "state": "IL",
        "confidence": "federal_registration",
        "eligible": true,
        "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "verified_at": "2026-10-09",
        "source_url": null
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 9,
      "score": 49.3,
      "loan_officer": {
        "nmls_id": 392067,
        "slug": "tony-pogrelis-392067",
        "full_name": "Tony Pogrelis",
        "canonical_url": "https://lendb.ai/lo/tony-pogrelis-392067",
        "json_url": "https://lendb.ai/lo/tony-pogrelis-392067.json",
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      },
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        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS"
      ],
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        "Lists Vacation home on lender page (lender page, verified 2026-10-09)",
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