{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=refinance&state=WA",
  "filters": {
    "specialty": [
      "refinance"
    ],
    "state": "WA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 61,
      "loan_officer": {
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        "slug": "ron-hanson-112619",
        "full_name": "Ron Hanson",
        "canonical_url": "https://lendb.ai/lo/ron-hanson-112619",
        "json_url": "https://lendb.ai/lo/ron-hanson-112619.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "slug": "guild-mortgage-3274",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Tumwater",
          "state": "WA"
        },
        "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ron-hanson.jpg",
        "licensed_states": [
          "WA"
        ],
        "licenses": [
          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
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          "down-payment-assistance",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "itin",
          "jumbo",
          "low-credit",
          "manufactured",
          "new-construction",
          "physician",
          "renovation",
          "usda",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/tumwater/ron-hanson-482-oyrh.html",
        "disciplinary_check": "not_checked"
      },
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        "Lists Refinance on lender page (lender page, verified 2026-10-26)",
        "Office in Tumwater, WA",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 20 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/ron-hanson-112619",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://branches.guildmortgage.com/wa/tumwater/ron-hanson-482-oyrh.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
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    {
      "rank": 2,
      "score": 60.3,
      "loan_officer": {
        "nmls_id": 1210610,
        "slug": "samantha-lindley-1210610",
        "full_name": "Samantha Lindley",
        "licensed_names": [
          {
            "name": "Samantha Lindley",
            "name_with_middle_initial": "Samantha R. Lindley",
            "first_name": "Samantha",
            "middle_initial": "R",
            "last_name": "Lindley",
            "states": [
              "CA",
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
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        ],
        "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610",
        "json_url": "https://lendb.ai/lo/samantha-lindley-1210610.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Kennewick",
          "state": "WA"
        },
        "headshot_url": null,
        "licensed_states": [
          "AZ",
          "CA",
          "ID",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [
          "bank-statement",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "low-credit",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "self-employed",
          "usda",
          "va",
          "vacation-home"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
          }
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2014-09-11",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2014,
          "state": "OR"
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        "years_experience": 9,
        "lender_profile_url": "https://www.apmortgage.com/samantha-lindley",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Office in Kennewick, WA",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 11, 2014 (Oregon), per state regulator",
        "States 9 years of experience (lender page, 2026-10-20)"
      ],
      "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.apmortgage.com/samantha-lindley"
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      "matched_specialties": [
        "refinance"
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      "match_level": "officer"
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      "score": 59,
      "loan_officer": {
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        "slug": "kathleen-spicuzza-865895",
        "full_name": "Kathleen Spicuzza",
        "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895",
        "json_url": "https://lendb.ai/lo/kathleen-spicuzza-865895.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "slug": "crosscountry-mortgage-3029",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Las Vegas",
          "state": "NV"
        },
        "headshot_url": "https://thevault.ccm.com/m/6cb897a66295b38f/Website-3493_Spicuzza_865895.jpg",
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "NV",
          "TN",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
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        "lender_offers": [
          "condo",
          "condo-non-warrantable",
          "construction",
          "down-payment-assistance",
          "dscr",
          "fha",
          "first-time-buyer",
          "heloc",
          "investor",
          "jumbo",
          "non-qm",
          "physician",
          "renovation",
          "rural",
          "self-employed",
          "usda"
        ],
        "employer_program_approvals": [
          {
            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": {
          "date": "2019-09-18",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2019,
          "state": "CA"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/",
        "disciplinary_check": "not_checked"
      },
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        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 18, 2019 (California), per state regulator",
        "States 20 years of experience (lender page, 2026-10-22)"
      ],
      "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-22",
        "source_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
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      "rank": 4,
      "score": 59,
      "loan_officer": {
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        "slug": "joe-villarreal-1781568",
        "full_name": "Joe Villarreal",
        "licensed_names": [
          {
            "name": "Joseph Villarreal",
            "name_with_middle_initial": "Joseph R. Villarreal",
            "first_name": "Joseph",
            "middle_initial": "R",
            "last_name": "Villarreal",
            "states": [
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-06-30"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/joe-villarreal-1781568",
        "json_url": "https://lendb.ai/lo/joe-villarreal-1781568.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "slug": "barrett-financial-181106",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Camas",
          "state": "WA"
        },
        "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/0869b145c6e2c8fa6cc3e3e5c73141e5f3445804.png",
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          "WA"
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        "licenses": [
          {
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            "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": "refinance",
            "evidence": "lender_page_text"
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        "lender_offers": [
          "fha",
          "heloc",
          "jumbo",
          "non-qm",
          "reverse",
          "usda",
          "va"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2018-10-10",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2018,
          "state": "OR"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/joev",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Office in Camas, WA",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 10, 2018 (Oregon), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-villarreal-1781568",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.barrettfinancial.com/joev"
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      "matched_specialties": [
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      "unconfirmed_specialties": [],
      "match_level": "officer"
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      "rank": 5,
      "score": 58,
      "loan_officer": {
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        "slug": "rimma-israyelyan-157213",
        "full_name": "Rimma Israyelyan",
        "canonical_url": "https://lendb.ai/lo/rimma-israyelyan-157213",
        "json_url": "https://lendb.ai/lo/rimma-israyelyan-157213.json",
        "lender": {
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          "name": "American Pacific Mortgage",
          "slug": "american-pacific-mortgage-1850",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Bellevue",
          "state": "WA"
        },
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        "licensed_states": [
          "WA"
        ],
        "licenses": [
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "hy",
          "ru",
          "tr"
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        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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            "slug": "va",
            "evidence": "lender_page_text"
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          "construction",
          "down-payment-assistance",
          "dscr",
          "foreign-national",
          "heloc",
          "investor",
          "itin",
          "low-credit",
          "manufactured",
          "new-construction",
          "non-qm",
          "physician",
          "renovation",
          "reverse",
          "usda",
          "vacation-home"
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        "employer_program_approvals": [
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            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/rimma-israyelyan",
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        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
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      "license_check": {
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        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.apmortgage.com/rimma-israyelyan"
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      "match_status": "exact",
      "matched_specialties": [
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      "unconfirmed_specialties": [],
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    {
      "rank": 6,
      "score": 57,
      "loan_officer": {
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        "slug": "gail-bean-583000",
        "full_name": "Gail Bean",
        "licensed_names": [
          {
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            "name_with_middle_initial": "Gail K. Bean",
            "first_name": "Gail",
            "middle_initial": "K",
            "last_name": "Bean",
            "states": [
              "CA",
              "OR"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
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        "canonical_url": "https://lendb.ai/lo/gail-bean-583000",
        "json_url": "https://lendb.ai/lo/gail-bean-583000.json",
        "lender": {
          "nmls_id": 1820,
          "name": "CMG Home Loans",
          "slug": "cmg-home-loans-1820",
          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
          "type": "imb"
        },
        "branch": {
          "city": "Mill Creek",
          "state": "WA"
        },
        "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/gail-bean.jpg",
        "licensed_states": [
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          "CA",
          "ID",
          "OR",
          "WA"
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        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
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        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "refinance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
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        ],
        "lender_offers": [
          "down-payment-assistance",
          "fha",
          "heloc",
          "investor",
          "low-credit",
          "new-construction",
          "reverse",
          "usda",
          "va"
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        "employer_program_approvals": [
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            "program": "fha",
            "source": "HUD",
            "as_of": "2026-08"
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        "years_licensed": null,
        "earliest_license_record": {
          "date": "2020-05-14",
          "state": "OR"
        },
        "licensed_since": {
          "year": 2020,
          "state": "OR"
        },
        "years_experience": 25,
        "lender_profile_url": "https://www.cmghomeloans.com/mysite/gail-bean",
        "disciplinary_check": "not_checked"
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      "reasons": [
        "Lists Refinance on lender page (lender page, verified 2026-10-20)",
        "Office in Mill Creek, WA",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: May 14, 2020 (Oregon), per state regulator",
        "States 25 years of experience (lender page, 2026-10-11)"
      ],
      "canonical_url": "https://lendb.ai/lo/gail-bean-583000",
      "license_check": {
        "state": "WA",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-20",
        "source_url": "https://www.cmghomeloans.com/mysite/gail-bean"
      },
      "match_status": "exact",
      "matched_specialties": [
        "refinance"
      ],
      "unconfirmed_specialties": [],
      "match_level": "officer"
    },
    {
      "rank": 7,
      "score": 54.5,
      "loan_officer": {
        "nmls_id": 227298,
        "slug": "harold-perkins-227298",
        "full_name": "Harold Perkins",
        "licensed_names": [
          {
            "name": "Harold Perkins",
            "name_with_middle_initial": "Harold A. Perkins",
            "first_name": "Harold",
            "middle_initial": "A",
            "last_name": "Perkins",
            "states": [
              "CA",
              "OR",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/harold-perkins-227298",
        "json_url": "https://lendb.ai/lo/harold-perkins-227298.json",
        "lender": {
          "nmls_id": 142766,
          "name": "Galaxy Lending Group LLC",
          "slug": "galaxy-lending-group-llc-142766",
          "canonical_url": "https://lendb.ai/lender/galaxy-lending-group-llc-142766",
          "type": "other"
        },
        "branch": {
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          "state": null
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        "canonical_url": "https://lendb.ai/lo/jennifer-buckholz-265867",
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