{
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          "CA",
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          "WA"
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        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "CA",
          "OR",
          "WA"
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        "licenses": [
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          {
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          {
            "state": "OR",
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          {
            "state": "WA",
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          {
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            "evidence": "lender_page_text"
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          {
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            "evidence": "lender_page_text"
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            "slug": "fha",
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          "WA"
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            "state": "OR",
            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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            "slug": "investor",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://www.directorsmortgage.com/loan-officer/mark-irwin/",
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        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 40 years of experience (lender page, 2026-10-09)"
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        "state": "OR",
        "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://www.directorsmortgage.com/loan-officer/mark-irwin/"
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      "score": 61.3,
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        "slug": "pat-fox-199779",
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        "json_url": "https://lendb.ai/lo/pat-fox-199779.json",
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          "name": "Union Home Mortgage",
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          "type": "imb"
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        "branch": {
          "city": "Tigard",
          "state": "OR"
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        "licensed_states": [
          "AZ",
          "CA",
          "MT",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "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"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
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          {
            "slug": "investor",
            "evidence": "lender_page_text"
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            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        "earliest_license_record": {
          "date": "2022-03-01",
          "state": "TX"
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        "licensed_since": {
          "year": 2022,
          "state": "TX"
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        "years_experience": 17,
        "lender_profile_url": "https://www.uhm.com/loan-officers/pat-fox/",
        "disciplinary_check": "not_checked"
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        "Lists Real estate investor on lender page (lender page, verified 2026-10-14)",
        "Office in Tigard, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 1, 2022 (Texas), per state regulator",
        "States 17 years of experience (lender page, 2026-10-09)"
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      "canonical_url": "https://lendb.ai/lo/pat-fox-199779",
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        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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        "slug": "daniel-nacarato-247584",
        "full_name": "Daniel Patrick Nacarato",
        "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584",
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        "lender": {
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          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
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        "branch": {
          "city": "Chandler",
          "state": "AZ"
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        "licensed_states": [
          "FL",
          "CO",
          "CA",
          "NV",
          "OR"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "FL",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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          {
            "state": "OR",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "licensed_since": {
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          "state": "CO"
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        "lender_profile_url": "https://www.barrettfinancial.com/dnacarato",
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        "Earliest state license record: August 10, 2021 (Colorado), per state regulator",
        "States 25 years of experience (lender page, 2026-10-09)"
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          "GA",
          "IL",
          "KY",
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          "MD",
          "MI",
          "NC",
          "NJ",
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          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
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          "VA",
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            "state": "CA",
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          {
            "state": "CO",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "TN",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "States 20 years of experience (lender page, 2026-10-09)"
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        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
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          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
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          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
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        "licenses": [
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "WA",
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        "federal_registration_likely": false,
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        "specialties": [
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "lender_profile_url": "https://www.intercaplending.com/loan-officer/shelley-covington/",
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}