{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=down-payment-assistance&state=OR",
  "filters": {
    "specialty": [
      "down-payment-assistance"
    ],
    "state": "OR",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 54,
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        "slug": "denise-montgomery-57734",
        "full_name": "Denise Cuddeback Montgomery",
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          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
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          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "MN",
          "MT",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
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            "evidence": "lender_page_text"
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          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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            "slug": "manufactured",
            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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            "slug": "self-employed",
            "evidence": "lender_page_text"
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          {
            "slug": "usda",
            "evidence": "lender_page_text"
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          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "date": "2022-07-31",
          "state": "TX"
        },
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          "year": 2022,
          "state": "TX"
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        "Office in Eugene, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: July 31, 2022 (Texas), per state regulator",
        "States 30 years of experience (lender page, 2026-10-09)"
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        "eligible": true,
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      "rank": 2,
      "score": 52.8,
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        "slug": "peggy-pense-112867",
        "full_name": "Peggy Pense",
        "canonical_url": "https://lendb.ai/lo/peggy-pense-112867",
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        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
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          "state": "OR"
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        "licensed_states": [
          "OR",
          "WA"
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        "licenses": [
          {
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            "confidence": "lender_reported"
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          {
            "state": "WA",
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        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/or/scappoose/peggy-pense-642-mgppe.html",
        "disciplinary_check": "not_checked"
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        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Scappoose, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "source_url": "https://branches.guildmortgage.com/or/scappoose/peggy-pense-642-mgppe.html"
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      "matched_specialties": [
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      "score": 52.8,
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          "type": "imb"
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        "branch": {
          "city": "Portland",
          "state": "OR"
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          "OR",
          "WA"
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        "licenses": [
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
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          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/or/portland/cat-jerger-773-hpcjer.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Portland, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/cat-jerger-1571253",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/or/portland/cat-jerger-773-hpcjer.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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      "rank": 4,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1824996,
        "slug": "josiah-shelman-1824996",
        "full_name": "Josiah Paul Shelman",
        "canonical_url": "https://lendb.ai/lo/josiah-shelman-1824996",
        "json_url": "https://lendb.ai/lo/josiah-shelman-1824996.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Tumwater",
          "state": "WA"
        },
        "licensed_states": [
          "CA",
          "ID",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 6,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/tumwater/josiah-shelman-482-tcjsh.html",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 6 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/josiah-shelman-1824996",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/wa/tumwater/josiah-shelman-482-tcjsh.html"
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      "unconfirmed_specialties": []
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      "rank": 5,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 1954783,
        "slug": "laura-koch-1954783",
        "full_name": "Laura Koch",
        "canonical_url": "https://lendb.ai/lo/laura-koch-1954783",
        "json_url": "https://lendb.ai/lo/laura-koch-1954783.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Clackamas",
          "state": "OR"
        },
        "licensed_states": [
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/or/clackamas/laura-koch-623-mglko.html",
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "Office in Clackamas, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/laura-koch-1954783",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/or/clackamas/laura-koch-623-mglko.html"
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      "rank": 6,
      "score": 52.3,
      "loan_officer": {
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        "slug": "eric-whitney-hexum-1569697",
        "full_name": "Eric Whitney Hexum",
        "canonical_url": "https://lendb.ai/lo/eric-whitney-hexum-1569697",
        "json_url": "https://lendb.ai/lo/eric-whitney-hexum-1569697.json",
        "lender": {
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          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
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        "branch": {
          "city": "Kennewick",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2021-01-06",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/kennewick/eric-whitney-hexum-285-mgewh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: January 6, 2021 (Florida), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/eric-whitney-hexum-1569697",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/wa/kennewick/eric-whitney-hexum-285-mgewh.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "down-payment-assistance"
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      "unconfirmed_specialties": []
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    {
      "rank": 7,
      "score": 52,
      "loan_officer": {
        "nmls_id": 484350,
        "slug": "nadia-raknai-484350",
        "full_name": "Nadia Raknai",
        "canonical_url": "https://lendb.ai/lo/nadia-raknai-484350",
        "json_url": "https://lendb.ai/lo/nadia-raknai-484350.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "CA",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "th"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2025-05-23",
          "state": "FL"
        },
        "licensed_since": {
          "year": 2025,
          "state": "FL"
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        "years_experience": 28,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5235/nadia-raknai/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 23, 2025 (Florida), per state regulator",
        "States 28 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/nadia-raknai-484350",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR 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/seattle-wa-5235/nadia-raknai/"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": []
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    {
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      "score": 51.8,
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        "slug": "tom-gates-61691",
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        "canonical_url": "https://lendb.ai/lo/tom-gates-61691",
        "json_url": "https://lendb.ai/lo/tom-gates-61691.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
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          "type": "imb"
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        "branch": {
          "city": "Montvale",
          "state": "NJ"
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          "CT",
          "NJ",
          "NY",
          "OR",
          "PA"
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        "licenses": [
          {
            "state": "CT",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "NY",
            "confidence": "confirmed"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "PA",
            "confidence": "confirmed"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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        ],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Down payment assistance on lender page (lender page, verified 2026-10-09)",
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          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
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          "CA",
          "CO",
          "GA",
          "ID",
          "IL",
          "KS",
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          "MN",
          "MT",
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          "OH",
          "OR",
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          "CA",
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          "HI",
          "ID",
          "MO",
          "MT",
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          "OR",
          "TX",
          "WA"
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          {
            "state": "CA",
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          {
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
          },
          {
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            "state": "TX",
            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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        ],
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            "evidence": "lender_page_text"
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        "eligible": true,
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}