{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=renovation&state=OR",
  "filters": {
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      "renovation"
    ],
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    "limit": 10
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    {
      "rank": 1,
      "score": 62.8,
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          "OR",
          "WA"
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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        "Lists Renovation loan (203k / HomeStyle) 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)",
        "States 27 years of experience (lender page, 2026-10-09)"
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        "state": "OR",
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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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        "full_name": "Michelle Muqtadir",
        "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
        "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
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        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
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          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
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          {
            "state": "WA",
            "confidence": "lender_reported"
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        "federal_registration_likely": false,
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            "evidence": "lender_page_text"
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          "state": "TX"
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        "licensed_since": {
          "year": 2022,
          "state": "TX"
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        "Earliest state license record: October 14, 2022 (Texas), per state regulator",
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        "eligible": true,
        "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/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "MI"
        },
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          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "ND",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
          "WA",
          "WI",
          "WY"
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          {
            "state": "AL",
            "confidence": "lender_reported"
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          {
            "state": "AR",
            "confidence": "lender_reported"
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          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "CT",
            "confidence": "lender_reported"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
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          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "KY",
            "confidence": "lender_reported"
          },
          {
            "state": "LA",
            "confidence": "lender_reported"
          },
          {
            "state": "ME",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "ND",
            "confidence": "lender_reported"
          },
          {
            "state": "OH",
            "confidence": "lender_reported"
          },
          {
            "state": "OK",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "SD",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
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        "licensed_since": {
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          "state": "FL"
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        "Earliest state license record: February 13, 2020 (Florida), per state regulator",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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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://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/"
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        "canonical_url": "https://lendb.ai/lo/evan-luchaco-887608",
        "json_url": "https://lendb.ai/lo/evan-luchaco-887608.json",
        "lender": {
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          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
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        "branch": {
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          "state": "OR"
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        "licensed_states": [
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          "AK",
          "AZ",
          "CA",
          "IA",
          "ID",
          "MT",
          "NE",
          "OR",
          "TX",
          "WA",
          "WY"
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            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
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          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
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          {
            "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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            "state": "WY",
            "confidence": "lender_reported"
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        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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          "state": "TX"
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        "licensed_since": {
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          "state": "TX"
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        "lender": {
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          "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820",
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          "CA",
          "ID",
          "MI",
          "MT",
          "NC",
          "OR",
          "WA"
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            "state": "CA",
            "confidence": "lender_reported"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MI",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
            "state": "NC",
            "confidence": "lender_reported"
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      ],
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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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        "json_url": "https://lendb.ai/lo/willie-williams-703211.json",
        "lender": {
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          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
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        "licenses": [
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        "languages": [],
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            "evidence": "lender_page_text"
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        "earliest_license_record": null,
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        "years_experience": 30,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/willie-williams",
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      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) 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 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/willie-williams-703211",
      "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://xperthomelending.com/loan-directory/willie-williams"
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      "unconfirmed_specialties": []
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      "score": 54.8,
      "loan_officer": {
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        "slug": "jessica-steenkolk-1743610",
        "full_name": "Jessica Steenkolk",
        "canonical_url": "https://lendb.ai/lo/jessica-steenkolk-1743610",
        "json_url": "https://lendb.ai/lo/jessica-steenkolk-1743610.json",
        "lender": {
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          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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        "licensed_states": [
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        "licenses": [
          {
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            "confidence": "lender_reported"
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        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
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            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
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          {
            "slug": "renovation",
            "evidence": "lender_page_text"
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            "slug": "reverse",
            "evidence": "lender_page_text"
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        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-or-3890/jessica-steenkolk/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
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        "Office in Newport, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-steenkolk-1743610",
      "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/newport-or-3890/jessica-steenkolk/"
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      "match_status": "exact",
      "matched_specialties": [
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      "score": 54,
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        "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
        "json_url": "https://lendb.ai/lo/denise-montgomery-57734.json",
        "lender": {
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          "name": "American Pacific Mortgage",
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        },
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          "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"
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          {
            "state": "FL",
            "confidence": "confirmed"
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          {
            "state": "ID",
            "confidence": "lender_reported"
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          {
            "state": "MN",
            "confidence": "lender_reported"
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          {
            "state": "MT",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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          {
            "state": "TX",
            "confidence": "confirmed"
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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            "evidence": "lender_page_text"
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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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          "MN",
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          "NE",
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          "NV",
          "OH",
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          "UT",
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          "WI",
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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            "state": "WI",
            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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        "Earliest state license record: November 8, 2017 (Texas), per state regulator"
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        "confidence": "lender_reported",
        "eligible": true,
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        "verified_at": "2026-10-09",
        "source_url": "https://branches.guildmortgage.com/az/scottsdale/tina-clark-506-pacc.html"
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        "full_name": "Tom Gates",
        "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",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
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          "state": "NJ"
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          "NY",
          "OR",
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        "licenses": [
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            "confidence": "lender_reported"
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          {
            "state": "NJ",
            "confidence": "lender_reported"
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          {
            "state": "NY",
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          {
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            "confidence": "lender_reported"
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            "confidence": "confirmed"
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        "languages": [],
        "specialties": [
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        "earliest_license_record": null,
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        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/montvale-nj-4333/thomas-gates/",
        "disciplinary_check": "not_checked"
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      "license_check": {
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}