{ "canonical_url": "https://lendb.ai/s/vacation-home/north-carolina", "summary": "As of 2026-10-10, LenDb lists 45 loan officers licensed in or based in North Carolina whose lender pages show Vacation home work. The top-ranked are Josh Penland (Fairway Independent Mortgage Corporation, Round Rock), Jessica Ochoa (Fairway Independent Mortgage Corporation, Richmond Hill) and Ron Haddad (Union Home Mortgage, Arlington Heights). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "vacation-home", "state": "NC", "total": 45, "last_verified": "2026-10-10", "results": [ { "rank": 1, "score": 57.8, "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": "confirmed" }, { "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": null, "earliest_license_record": { "date": "2022-10-17", "state": "CO" }, "licensed_since": { "year": 2022, "state": "CO" }, "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)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 17, 2022 (Colorado), per state regulator", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joshua-penland-216357", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/josh-penland-216357" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 55.3, "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": null, "earliest_license_record": { "date": "2017-02-21", "state": "FL" }, "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)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: February 21, 2017 (Florida), per state regulator", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jessica-ochoa-525089", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/jessica-ochoa-525089" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 51.8, "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)", "NC 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": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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": 48.5, "loan_officer": { "nmls_id": 116874, "slug": "david-joyner-116874", "full_name": "David Joyner", "canonical_url": "https://lendb.ai/lo/david-joyner-116874", "json_url": "https://lendb.ai/lo/david-joyner-116874.json", "lender": { "nmls_id": 512138, "name": "TowneBank Mortgage", "canonical_url": "https://lendb.ai/lender/townebank-mortgage-512138", "type": "bank" }, "branch": { "city": "Kitty Hawk", "state": "NC" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://townebankmortgage.com/officers/david-joyner/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Kitty Hawk, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/david-joyner-116874", "license_check": { "state": "NC", "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": 48, "loan_officer": { "nmls_id": 117311, "slug": "tate-felts-117311", "full_name": "Tate Felts", "canonical_url": "https://lendb.ai/lo/tate-felts-117311", "json_url": "https://lendb.ai/lo/tate-felts-117311.json", "lender": { "nmls_id": 2921, "name": "Southern Trust Mortgage", "canonical_url": "https://lendb.ai/lender/southern-trust-mortgage-2921", "type": "imb" }, "branch": { "city": "Southern Shores", "state": "NC" }, "licensed_states": [ "NC", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "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://www.southerntrust.com/tate-felts/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Southern Shores, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/tate-felts-117311", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.southerntrust.com/tate-felts/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 47.8, "loan_officer": { "nmls_id": 455506, "slug": "richard-johnson-455506", "full_name": "Richard Johnson", "canonical_url": "https://lendb.ai/lo/richard-johnson-455506", "json_url": "https://lendb.ai/lo/richard-johnson-455506.json", "lender": { "nmls_id": 1124061, "name": "Lower", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Fairfax", "state": "VA" }, "licensed_states": [ "DC", "DE", "MD", "NC", "PA", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.lower.com/loan-officers/virginia/fairfax/richard-johnson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-10)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-10)" ], "canonical_url": "https://lendb.ai/lo/richard-johnson-455506", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/virginia/fairfax/richard-johnson" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 46.8, "loan_officer": { "nmls_id": 479214, "slug": "jonathan-wood-479214", "full_name": "Jonathan Wood", "canonical_url": "https://lendb.ai/lo/jonathan-wood-479214", "json_url": "https://lendb.ai/lo/jonathan-wood-479214.json", "lender": { "nmls_id": 1124061, "name": "Lower", "canonical_url": "https://lendb.ai/lender/lower-1124061", "type": "imb" }, "branch": { "city": "Emerald Isle", "state": "NC" }, "licensed_states": [ "NC" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-10)", "Office in Emerald Isle, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-10)" ], "canonical_url": "https://lendb.ai/lo/jonathan-wood-479214", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-10", "source_url": "https://www.lower.com/loan-officers/north-carolina/emerald-isle/jonathan-wood" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 45.8, "loan_officer": { "nmls_id": 179208, "slug": "jason-fox-179208", "full_name": "Jason Fox", "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "json_url": "https://lendb.ai/lo/jason-fox-179208.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Frederick", "state": "MD" }, "licensed_states": [ "FL", "CA", "CO", "DC", "DE", "IA", "IL", "IN", "MD", "MI", "MN", "NC", "PA", "SC", "TN", "TX", "VA", "WV" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "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" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-09-18", "state": "FL" }, "licensed_since": { "year": 2018, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 18, 2018 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 45.8, "loan_officer": { "nmls_id": 1965251, "slug": "patricia-cooper-1965251", "full_name": "Trisha Cooper", "canonical_url": "https://lendb.ai/lo/patricia-cooper-1965251", "json_url": "https://lendb.ai/lo/patricia-cooper-1965251.json", "lender": { "nmls_id": 40508, "name": "ALCOVA Mortgage", "canonical_url": "https://lendb.ai/lender/alcova-mortgage-40508", "type": "imb" }, "branch": { "city": "Chantilly", "state": "VA" }, "licensed_states": [ "NC", "TN", "VA" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "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": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-04-02", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 8, "lender_profile_url": "https://alcova.com/loan-officer/tcooper/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 2, 2021 (Florida), per state regulator", "States 8 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/patricia-cooper-1965251", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC 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/tcooper/" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 44.8, "loan_officer": { "nmls_id": 146931, "slug": "baker-jackson-146931", "full_name": "Baker Jackson", "canonical_url": "https://lendb.ai/lo/baker-jackson-146931", "json_url": "https://lendb.ai/lo/baker-jackson-146931.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Raleigh", "state": "NC" }, "licensed_states": [ "NC" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" } ], "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" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nc/raleigh/8805-six-forks-rd-hla-146931", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Raleigh, NC", "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/baker-jackson-146931", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://homelendingadvisor.chase.com/nc/raleigh/8805-six-forks-rd-hla-146931" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 42.8, "loan_officer": { "nmls_id": 17247, "slug": "david-e-aponte-17247", "full_name": "David E Aponte", "canonical_url": "https://lendb.ai/lo/david-e-aponte-17247", "json_url": "https://lendb.ai/lo/david-e-aponte-17247.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Huntersville", "state": "NC" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nc/huntersville/8830-lindholm-dr-hla-17247", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Huntersville, NC", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/david-e-aponte-17247", "license_check": { "state": "NC", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/thomas-cragg-397342", "license_check": { "state": "NC", "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": 15, "score": 42.5, "loan_officer": { "nmls_id": 857295, "slug": "alex-daskalakis-857295", "full_name": "Alex Daskalakis", "canonical_url": "https://lendb.ai/lo/alex-daskalakis-857295", "json_url": "https://lendb.ai/lo/alex-daskalakis-857295.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Raleigh", "state": "NC" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/nc/raleigh/8101-brier-creek-pkwy-hla-857295", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Raleigh, NC", "Likely federally registered (works at a bank). 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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": 16, "score": 39.8, "loan_officer": { "nmls_id": 146741, "slug": "corey-riggs-146741", "full_name": "Corey Riggs", "canonical_url": "https://lendb.ai/lo/corey-riggs-146741", "json_url": "https://lendb.ai/lo/corey-riggs-146741.json", "lender": { "nmls_id": 891464, "name": "Edge Home Finance", "canonical_url": "https://lendb.ai/lender/edge-home-finance-891464", "type": "broker" }, "branch": { "city": "Swansboro", "state": "NC" }, "licensed_states": [ "FL", "AL", "GA", "IN", "LA", "MD", "NC", "SC", "TN", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-02-11", "state": "FL" }, "licensed_since": { "year": 2020, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://edgehomefinance.com/team-member/corey-riggs/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-10)", "Office in Swansboro, NC", "NC listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alex-macklin-500343", "license_check": { "state": "NC", "confidence": "lender_reported", "eligible": true, "label": "NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/nc/fuquay-varina/alex-macklin" }, "match_status": "exact", "matched_specialties": [ "vacation-home" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 30.8, "loan_officer": { "nmls_id": 561148, "slug": "kristen-carmack-561148", "full_name": "Kristen Carmack", "canonical_url": "https://lendb.ai/lo/kristen-carmack-561148", "json_url": "https://lendb.ai/lo/kristen-carmack-561148.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "Raleigh", "state": "NC" }, "licensed_states": [ "NC" ], "licenses": [ { "state": "NC", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 26, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Vacation home on lender page (lender page, verified 2026-10-09)", "Office in Raleigh, NC", "NC listed on their lender page (not yet checked with the state regulator; 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